BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a bankruptcy chapter XXXX - discharged on my Experian 's credit report. The item came back verified. But I called the United States Bankruptcy Court - XXXX of California to ask if they did verify my discharged bankruptcy. The clerk 's answer was very clear : " The Bankruptcy Court do not have any type of communication with any of the credit bureaus, including Experian. '' Then I insisted and asked if by any chance the court received anything from Experian trying to verify the case, the clerk 's answer was clear again : " No sir, we did not receive anything from Experian regarding your case ''. 
Then, Experian is violating the Fair Credit Reporting Act by saying they verified this item. 
In the other hand I would like to add here that XXXX and XXXX removed the case from my credit report because they never verified it. 
Please, see the attachments. There is the BK on Experian 's Credit Report and also the information from the Bankruptcy court about credit reporting.

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 2017-04-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting medical collections that are not mine and I and the collection company agreed upon terms to have these accounts removed from my credit XXXX & XXXX XXXX XXXX Recentbalance XXXX XXXX/XXXX/XXXX Dateopened XXXX Status XXXX XXXX XXXX. 
XXXX XXXX, TNXXXX XXXX XXXX XXXX, TNXXXX XXXX Addressidentificationnumber XXXX Originalcreditor XXXX Type XXXX Terms XXXX Onrecorduntil XXXX Creditlimitor originalamount {$590.00}

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 2017-04-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX i received my trial modification paperwork from XXXX. first paymnet due on XX/XX/XXXX final on XX/XX/XXXX on XXXX mortgage was then sold to I Carrington Mtg Co. I have made all my required payment as agreed in the trial modification, I received my final docements on XX/XX/XXXX and returned them on XX/XX/XXXX. The papers stated my first payment is due on XX/XX/XXXX but Carrington advised I was due a payment in XX/XX/XXXX and cant tell me where that money is going and the final modification paper amount will differ because of that payment, I can not get a straight answer as to when my final docs will be uploaded they can not give me a balance etc but they are wanting a payment when i clearly made XX/XX/XXXX pymnt in XX/XX/XXXX and the documents state the account wasnt due until XX/XX/XXXX when I was made to pay it in XX/XX/XXXX. They are still reporting negative to my credit and all my payments are being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NCO Financial Services is robo calling my home at least 4 times a week including weekends. The phone number they are calling from is XXXX. I do not have any debt. These calls are annoying and I consider them harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I first contacted equifax by phone to dispute several inquiries on my credit report and I was n't allowes to dispute the inquiries by phone. I was told I could dispute them online or in writing. I disputed them online and the investigation was completed the same day. I was told that the inquiries were factual. The inquiries on my rwport werw not the result of any request made by me. They did not investigate my dispute. I also contacted the creditors to have them removed and they directed to request the inquiries be removed by the credit reporting agency. Tge inquiries are affecting my credit standing. I understand that inquiries that I initiate will remain on the report. I only want tbe ones that were not initiated by me removed. 
Thank you and I wiuld appreciate assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The main problem has to do with TransUnion reporting information incorrectly. 2 of my credit cards were reporting incorrect balances for more than a month, since XX/XX/2023, for my XXXX XXXX XXXX XXXX  ( {$190.00} ) and XXXXXXXX XXXX XXXX XXXX ( {$6500.00} ). I put in a dispute to TransUnion on XX/XX/2023 to try and correct these balances so my credit score would improve and I would be able to apply for credit cards. On XX/XX/2023, the dispute was " completed '' by TransUnion but instead of correcting the balances they deleted the XXXX XXXX  XXXX  off of my credit report and did not change XXXX XXXX XXXX XXXX XXXX  saying it was correct at {$190.00} balance. This ended up lowering my credit score 20 points because of the deleted account which I did not ask for. I contacted both of the companies directly and both said they were sorry for the incorrect balances, that they don't know why TransUnion was reporting incorrectly, and would make sure they were correct this coming cycle. XXXX XXXX  was not able to add the credit card back to my account which I still need to happen and TransUnion was not helpful either, and were not polite on the call with them. The cards are still active so I am hoping that the next credit run, they will report accurately. It is almost XXXX and TransUnion has still failed to fix anything I initially asked for even though they said they would " fix it quickly ''. The balances on both accounts are now XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
All XXXX credit reporting companies do not allow my accessing my report via the website they set up and i do not know why. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16
Company: Rent Recover, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud from XXXX and I was explain that they will cancel my Navy Federal Credit Union and will expedite me another Bank Card Via XXXX. I called today XXXX XXXX, 2015 I was informed it mailed out regular mail and were they can not trace nor tell when I should expect it. Navy Federal also explain that XXXX check of mine has been return and they do not notifty the payee that it not enough fund in the account. So they allow the payee to keep sending thepayment while they keep charging me {$29.00} XXXX times and they its not enough funds theaccounts. Along the fees from the vendor I also owe them {$29.00} for the XXXX transaction. 
Can tell me is this the Navy Federal Credit should treat their customer. I 'm still awaiting a response regarding the fraud at XXXX XXXX XXXX they just the take my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my a condominium in XXXX at a much inflated rate and agent of Wells Fargo Bank suggested a program to finance my home. It has been financed in XXXX loans - XXXX XXXX year ARM and another XXXX years conventional fixed mortgage. Later I came to know none of these are financed by any of federal agencies - XXXX XXXX or XXXX XXXX. When house price collapsed, my home price lost its value. I could not lower my monthly payment by refinancing. I approached Wells Fargo Bank several times to lower my interest rate as was done by my XXXX lender, XXXX. In all circumstances I was turned down because of my negative equity. WFB did not qualify me for any of the HUD programs. I kept paying at higher rate but keep losing money in interest as well as ability to move out of bad debt without declaring foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: P.S.C., Inc
State: WA
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:
PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: BYL Collection Services
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection listed which is unknown, disputed with no outcome or verification. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I used Western Union to wire money. They give the option of paying with a credit card. They do not give clear notice that this may/will incur significant fees from the card. They list this at bottom of page, with a number 2 that does not correspond to the credit card selection. This is, to my mind, intentionally misleading. At no point in the transaction was it clear that I would be charged over {$25.00} in fees. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
During the entire time that Navient has been servicing my student loans, not once have I been offered the option of an IDR PLan because I could n't make my monthly payments. I have been unemployed since XX/XX/XXXX and have been reapplying for various deferments and forbearances. I have maxed out the allowed deferments that I 'm eligible for and now that my last deferment is ending in XX/XX/XXXX, I thought that my only option of deferring payments was through voluntary forbearance. It was n't until I asked about IDR Plans is when the option was ever suggested to me. I even asked the CSR about the different options that are offered under IDR Plans. The CSR acted like there was only one option available to choose from. On the Navient website and the Federal government 's Financial Aid website, I know that there are 4 options that I could possibly apply for : REPAYE, PAYE, IBR and ICR. I wish the CSR could have been more knowledgeable because she acted like I did n't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

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 2016-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Hi, I had a hard inquiry on my credit report from a third party ( XXXX ) who according to them was making the inquiry on behalf of my student loan company ( XXXX XXXX XXXX XXXX ). I do n't even think I have a loan with this company unless they go by another name, but I have not defaulted or paid late at any point and they never notified me about reasons to check my credit report. Around the same time I was looking for apartments and my credit score went down due to the hard inquiries from the student loan and my landlord. Is the student loan company allowed to do this for no reason and without notification?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at XXXX ), and I was never able to get Trans Union report. The free website would lock up, it was very difficult to use, and the whole process took hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Keep getting harassment calls from my mortgage service company Seterus , Inc. My mortgage is due on the XXXX of each month and late on the XXXX. Continuously receiving calls from this company even though the terms of mortgage payments are being met. Mortgage is usually received between the XXXX and XXXX of each month which is within payment requirements. I have asked this company on numerous occasions to cease and desist with this unwarranted and harassing calls but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit XXXX the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XX/XX/XXXX. 2021, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with 3 different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify 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 2015-07-10
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over the last several years My phone number has been called by various collections-telemarketers as debt has been sold and resold down the line. I have repeatedly asked for my Tel. Number to be removed from the call list concerning this individual whom I do not know. ( XXXX XXXX ). The latest company to call me, after being told they have the wrong number, is continueing to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I called Ally at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to Ally Financing That makes it very misleading by Ally to transfer me like that and by North Side Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law

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