BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received your response in my complaint # XXXX, XXXX, XXXX and Im the one who submitted a complaint on XX/XX/XXXX. These items XXXX XXXX XXXX ( Original Creditor : XXXX ) and XXXX  Date of Inquiry XX/XX/XXXX is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created 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 2015-06-24
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX I acquired an auto loan from First Investors XXXX XXXX, GA. The loan was for 72 months. The loan should have been paid on XXXX. I contacted First Investors on XXXX and asked about the pay-off on the loan. I was shocked when they told me that I still owed {$9000.00} on the loan! They claimed it was for deferred payments and late fees. So I paid and another year later I still owe {$8000.00}. on this vehicle and if I do n't pay it they will repossess it. I can not even trade the car in because there is so much negative equity on the vehicle that a car dealership/bank wo n't touch it. XXXX car dealership told me the car is only worth {$1500.00}. I 'm at my wits end. I ca n't get anyone at First Investors to return my phone calls. I really need some professional advice. The last time I actually spoke with a person from First Investors, I told the person that I was contacting the CFPB and they just laughed at me. I just feel so overwhelmed. Thank you for any advice you may forward to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
1 ) I was never made aware by Transworld Systems Incorporated ( TSI ) that they own a debt associated with my social security number. 
2 ) I was also never made aware by Transworld Systems Incorporated ( TSI XXXX that I am able to dispute this debt. This debt is due to identity fraud. 
3 ) Transworld Systems Incorporated ( TSI ) does not operate during the operating hours they have state on their prerecorded phone message ( XXXX ) and website. Numerous times in six months I have called and left voice messages asking for someone to contact me and noone from TSI has bothered to. 
4 ) Five times in the last six months I have requested a fraud packet via written mail and phone message from Transworld Systems Incorporated ( TSI ) and have still not recieved a fraud packet. 
5 ) Transworld Systems Incorporated ( TSI ) may be a ghost compant that does not truely exist or blatantly violates laws pertaining to debt collectors, as evidenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2016-10-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of misleading and predatory incompetence by the servicer of my mortgage loan, Carrington Mortgage Servicing. I have NEVER missed a payment over the last 10 years on my property. For some reason in XXXX when I mailed in my payment, the check was not cashed. I mailed in XXXX and the same thing happened. I was proactive and called to find out what was the matter. No one knew for sure, but they guessed it was because the address changed and I mailed it to the old address? I STILL DO N'T KNOW FOR SURE. 

I continued to follow up to solve this problem with Carrington and I was told that I need to send in a cashier 's check for {$3500.00} in order to reinstate the loan and put me back in good standing. I did this, but after Carrington received this THEY SENT IT BACK???? And now they are putting me in foreclosure??? What kind of scam is this company running? I have always made my payments, I have the money to make the payments, Carrington tells me how much I owe them, I send it in, then they send it back and file foreclosure paperwork against me. This is definitely NOT OKAY. 

I have tried repeatedly to get this situation resolved, I have tried to speak to a supervisor but I have not made any progress. I am stuck in a bureaucratic hamster wheel ; no matter how many times I call to fix this I can never get a straight answer or talk to anyone who can actually fix the problem. 

I need this problem resolved. I bought this home in 2006 for my children to live in ; it is currently occupied by my grandson and his son. I would like to add that I am a veteran of the United States XXXX. I served XXXX years, I worked for a government XXXX. I do volunteer work to help out with our XXXX and the XXXX XXXX. I have been an upstanding citizen and always paid my bills on time. I simply ca n't believe that due to the incompetence and misleading and predatory actions of the agents at Carrington Mortgage Services I have a house that is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account in XX/XX/2018 that had a {$400.00} promotional offer if I kept {$15000.00} in my accounts for 60 days. The money was deposited on XX/XX/2018 and I should have received the bonus in 90 days when the terms was met on XX/XX/2018. It has been past the 90 days and I have yet to receive my promotional offer. I filed an appeal XX/XX/2018 and it still has not been resolved.

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 monetary relief
Consumer complaint received 2016-09-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was on a call with Navient Rate Reduction team speaking to XXXX XXXX. During the call I ask if she could relook at my account to see my options again about being on the rate reduction plan. I asked informative questions and with getting minimal response back I asked her to explain in more detail and to help me better understand. The amount of the payment plan had increased from last year and she stated that the interest rate would not change from last year. But mathematically it was not adding up so I asked her to please explain in detail, to have me better understand the break down. Eventually she became overly aggressive. After several times of stating that I was not trying to frustrate her I was just trying to get clarity her aggression heightened. She then with anger told me that she was getting her supervisor to speak to me. I restated that there was no need to be aggressive and her response : " I am not being aggressive you 're just not accepting my answers. '' Again her " answers '' were not informative. XXXX of her " answers '' during the call when I asked her to verify the breakdown she claimed that the private lender can " change how they do things simply because! '' How is that a legitimate answer to a question regarding a breakdown and what factors are included in this calculation of this " rate reduction plan ''. 
The call was unprofessional and my questions regarding my private loans still remain unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: OK
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 TEXAS, docket XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank account XXXX, XXXX account ( XXXX ) XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX, XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2022 - Transunion I have not received a response from compliant # 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 2015-06-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended XXXX XXXX XXXX ( XXXX XXXX, MI ), around XXXX. The courses were too difficult for me to comprehend, so I withdrew from my classes in the allowed timeframe, after completing a semester. 
I committed a crime, and was imprisoned from XXXX XXXX to XXXX XXXX. During my prison stay ( XXXX ), I began to receive bills from a creditor concerning XXXX XXXX. I immediately typed/notarized a letter informing the creditor that I was housed in XXXX and was unable to make payments at that time. 
Upon my release ( XXXX ), I made contact with Navient Solutions concerning the XXXX private loans. I made payment arrangements, which were in agreed upon with Navient Solutions. I have been making, my scheduled payments, as agreed upon. 
The problem is, Navient Solutions, has continued to charge me interest on the XXXX loans. XXXX of the loans is being charged as much as {$100.00} in interest per month. 
I am mentally XXXX and receive. XXXX monthly payment per month. I am making my agreed upon payments each month, I can not afford for Navient to charge me these interest rates every month. Also, I put the XXXX private loans on my bankruptcy which was discharged, and Navient Solutions stated that does not change the loan, Is this true?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
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:
There are inquiries on my credit report that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are inquiries on my credit report that I do not recognize.

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 2015-04-14
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am on a bi-weekly advantage payment plan that makes my monthly mortgage payments on my behalf to Ocwen. These payments are sent by XXXX Bank XXXX Ins company each month. On XXXX XXXX, Ocwen misdirected my monthly payment to my Escrow account. XXXX different Ocwen escalation agents have confirmed this is an error on Ocwen 's part. XXXX promised it would be taken care of within XXXX business days and provided me a number to reach them at directly if it was not resolved by then. XXXX have not been reachable since. It is now XXXX, I 'm still receiving collection calls and letters. And today XXXX/XXXX/XX/XX/2015 I received a formal letter in the mail that requires me to respond by XXXX/XXXX/XX/XX/2015 as to whether we want to refinance our house or apply for a loan modification. We do n't need assistance in paying our mortgage, Ocwen needs to apply our payment appropriately. Additionally, we pay approximately {$420.00} extra dollars towards our principal each month of which they are placing in a suspense account because they say they can not apply it to the principal until our loan is current. Our loan is CURRENT. I 'm at my wits end and feel it is time to hire an attorney. I have documentation to support this claim, as well as XXXX XXXX 's confirmation directly to the escalation specialist of the payment and the check number, of which they have confirmed was indeed cashed. The escalation specialist # 1 was XXXX, XXXX ID XXXX, XXXX, extension XXXX and # 2 XXXX XXXX, phone number XXXX, option XXXX, extension XXXX. Additionally, on XXXX/XXXX/XX/XX/2015 XXXX XXXX instructed me not to make any further payments until this was resolved to cut down on confusion on which payment I was making while they work this out. Had I followed his direction I would likely be in line to lose my home at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX Hi, I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent. According to Section XXXX of the XXXX, I would totally appreciate if you kindly provide me the permissible purpose, proof that I initiated these inquiries. In addition, written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide a permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. According to my research, under Section XXXX. Permissible Purposes of Consumer Reports XXXX XXXX. XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX.? XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. The following companies did not have permission to request my credit report : { multiacct } Once again I demand the removal of these unauthorized inquiries immediately. Please send me an updated credit report to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX  and cant. Also with XXXX  on their website I can never get my reports.

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 2022-09-15
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus 09/02/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
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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 2021-11-22
Company: EQUIFAX, INC.
State: FL
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation