BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: Mr. Cooper Group Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been calling nation star DBA Mr Cooper my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to XXXX  my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my XXXX  Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Mortgage was recently transferred from XXXX to Select Portfolio Servicing Inc. around XXXX. I always make my normal monthly payment and wait for it to process. After this, but before my next payment due date, I make an additional principal payment of {$5000.00}. I originally called Select Portfolio Servicing on XXXX, to notify them that I will be making this additional principal payment every month and to put a note on my account. Select Portfolio Servicing wants to charge me an extra fee if I call in and make a payment and if I make a payment on their website. The only other way I can make a payment without paying an additional fee, is through my bank account. ( I REFUSE TO SET UP AUTOMATIC WITHDRAWALS ). Each time I make an additional principal payment, I put in the Memo : " APPLY ALL TOWARDS PRINCIPAL. '' Everything went fine on XXXX, XXXX, & XXXX. Starting on XXXX and XXXX, they have not applied my extra payments towards principal CORRECTLY. They have put one payment from each of those into the future and my payment date is changing. I had to call in both times to have the payment fixed. I did this with XXXX all the time ( They actually waived the phone fee for me so I could call in each time and make the payment over the phone, but it still did not work every time ). They are telling me that I can not speak to anyone else or have a supervisor assigned to my account. They tell me that this is the way their computer system is set up. I told them I do not care or want to hear their excuses. I told them that I want someone to manually enter my extra payments. I told them that they are not following the terms of our mortgage. It states directly in our Mortgage Loan Documents/Agreement, that any payment made in addition to the normal payment ( as long as the entire amount is more than the monthly payment amount ), AND all other fees due are paid off, it WILL BE APPLIED TOWARDS PRINCIPAL. This is a game and I am tired of playing it. I have to waste my time every month to call them back and they trying to cause me to also pay more interest each time, WHICH IS NOT FAIR OR RIGHT! The Payment Area is on the second page, # 5.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are two accounts reporting on my TransUnion Credit file one is with XXXX XXXX and they agreed to remove it yet it is still reporting with a XXXX balance. The other account is XXXXXXXX XXXX XXXXXXXX. I had disputed it several times even contacted XXXX directly to try and get it paid off just to be done with it and they said they could not find any account under my name. So how is TransUnion reporting the information if the company can not even locate it when I speak with them?

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2022 I engaged in a consumer credit transaction with XXXX XXXX. XXXX XXXX sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated Transunion Consumer Solutions is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with Transunion several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, Transunion is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. Transunion have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as Transunion have continued to diminish the value of my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax had a security breach and gave out my financial records. Their execs sold off their stock before reporting it and should be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Synerprise Consulting Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HAVE TRIED TO GET A VERIFICATION AND A VALIDATION OF DEBT ... ... THEY HAVE REPORTED DEBTS TO CREDIT AGENCIES THAT HAVE CAUSED ME FINANCIAL HARM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-08-23
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a property management collection account on my credit report, I was a co-signer on the contract and I paid half of the collection balance because the debt collector I spoke to promised me they would delete the tradeline or collection account from my credit report. 

Its been long time since I paid this and now that I need to get into a new apartment I can't because the account still on my credit report, I called them and now they said I am not longer liable for the debt but if I want to have the account delete from my credit I should contact the second person on the contract to have them paying the remaining of the debt or I can pay it. 

This actions from the debt collector are illegal 's, first of all this account is over 7 years old and shouldn't be on my report since XX/XX/2021. Then they lied and promised a credit report deletion as long I paid my part of the contract but now they blackmail on me to help them either paying more money or talk to the other person in the contract to pay its part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
NCO/EGS KEPT CALLING MY WORK AND CELL AND IGNORED CEASE AND DESIST AND FINALLY WENT ON MY CREDIT REPORT. 

XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX SS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I have 3 student loan accounts with Fed loans services, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX. 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a letter reflecting enrollment in XXXX XXXX, in which I was charged. The account ending in XXXX is not familiar to me at this time, but your letter from XXXX, OR stated all information I list here. The letter stated a Customer Reference # : XXXX Your letter to me is dated XX/XX/XXXX and was received at my XXXX on XX/XX/XXXX. Your letter had no phone number listed in which I could contact you ( I see it is listed on this webpage, which was ridiculously difficult to find, even with the web address you listed in the letter ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ALLY FINANCIAL INC.
State: TX
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:
XX/XX/2021 I had several hard inquiries show up on my credit report that I had no knowledge of. And I would like to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a bill from XXXX of XXXX dollars that is not mine. I have never had XXXX XXXX and I have never had the phone number they are saying this account is attached to. I am a member with XXXX. I have submitted this dispute to the company and to XXXX. The debt is still under my name, and nothing has been resolved. 

Original creditor : XXXX XXXX Account Name : Jefferson Capital Systems Account type : Debt Buyer Date Opened : XX/XX/XXXX balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX, who is now Navient, harmed my student loan when I did a repayment status. They steered me towards several forebearances throughout the life of my loan. They also gave false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Old information reappears or never goes away

Complaint:
I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of XXXX Account XX/XX/XXXX. 
Date of XXXX XX/XX/XXXX. 
Date of XXXX Account XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Us bank Reliacard has over {$6000.00} of my money locked due to " fraud '', though I've only used the card to withdraw money for rent. Every time I call they tell me to submit a copy of my ID and a selfie, which I've done 4 times now, and every time they tell me my account is still locked and to try again. This time they asked me for a copy of my social security card, which I will not do as it seems fishy. The customer service reps have not helped at all, often telling me to go to websites that don't work to submit information. I need this money to pay for rent and for upcoming prenatal appointments as I'm two months pregnant. They're holding my money hostage and having me run on a wild goose chase to get money back that I 200 % believe that they stole and have no intention of giving it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent 3 dispute letters to this credit bureau in the past 3 months revolved unverified information being reported in my credit report. I asked for an investigation and for a method of verification for the unverified accounts being reported and the credit bureau has not provided me with that information and is still reporting those unverified erroneous accounts.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: NC
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 Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX XXXX XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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 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 explanation
Consumer complaint received 2022-01-20
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: Was not notified of investigation status or results

Complaint:
XX/XX/21 Sent a letter via certified mail to EQUIFAX and delivered on XX/XX/21. Tracking number Tracking ID : XXXX. Letter stated rights being violated and ask to have personal information removed from consumer file. I put XXXX of notice about some inaccuracies on my consumer report. In my letter I asked for debt validation from multiple companies being furnished on my consumer report pursuant 15 USC 1692g under FDCPA. I also asked for these accounts to be deleted if no agreement with my wet ink signature could be produced. I have not given any person ( s ) my consent to furnish any of my private information. Therefore, the following accounts must be deleted from consumer my report. Fair Credit Reporting Act 15USC 1681b states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My rights are protected under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: RI
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:
On Saturday XXXX XXXX I became aware that Equifax had suffered a data breach. 

I checked my status on https : XXXX and was informed " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This constitutes a breach of trust and a disclosure of my credit information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have no idea what this attached email I just received is ... 
I am concerned for my privacy on my XXXX account. Below is context of email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your XXXX XXXX  credit card statements/payments x Synchrony Bank XXXX XXXX ( 2 hours ago ) to me Note : This email was sent to you by Synchrony Bank, the issuer of your XXXX XXXX Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX XXXX Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

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 2022-01-20
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a debt collection letter from Advanced Recovery Systems on on XX/XX/2021 .I sent Advanced Recovery Systems a debt validation letter on XX/XX/2021 requesting for them to validate the debt because in the letter the sent me it said that I owed them {$100.00} on multiple accounts and I didnt know what accounts they were referring to. They never replied to my request.

Company response to consumer: Closed with non-monetary relief