BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX XXXX XXXX XXXX XXXX on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX XXXX  {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : XXXX XXXX XXXX  Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX 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 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX # XXXX****This information has been re-inserted and re-aged. Please Delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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:
Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXXXXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX XXXX  XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.

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 2015-10-30
Company: Financial Business and Consumer Solutions.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter form Receivable Recovery Service LLC about paying a medical debt from XXXX. The letter stated that I must contact them within 45 days of this bill or they will report my account to the credit reporting bureau. On XX/XX/XXXX, this was reported to the credit bureau even though I set up a payment agreement online. There was no indication that they would report to credit bureau after the payment plan was set up. Also, the 45 day period that they stated in the letter was not honored. The account is now paid and is showing on my credit report. I would like this removed from my report as I they have attempted to collect this debt after being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
ARA Inc contacted me by my company cell phone and the first thing they said was that they were going to file suit in XXXX County if I did not pay a supposed debt of {$24000.00}. Upon researching what little information I got from them the supposed debt was from 2007. XXXX XXXX XXXX did not have any records for the account number that they gave me. I requested in writing any information they had. I will attach the letter. This is past the 4 year Statue of Limitations for the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 was on my credit monitoring site and noticed a few fraudulent accounts that im going to put in this complaint. I had no knowledge of these accounts. i would like these accounts removed, they are affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payment check was sent to Lakeview Loan Servicing XXXX XX/XX/2020. 
The check was for {$1600.00}. {$650.00} was for regular loan payment. {$1000.00} extra for principal. Lakeview only applied {$650.00} to our account. They refuse to apply the extra {$1000.00}. We have a copy of canceled check for {$1600.00} which was sent to them 3 times. We keep getting told they are researching it and will be resolved in a couple days. 
When the couple days pass, we get told the same thing again. We have {$1000.00} out there that has already been taken out of our 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 2016-03-08
Company: BMW Financial Services NA, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a BMW 640i on a 36 month lease term with BMW Financial Services as the first payment on XXXX/XXXX/XXXX following by 35 payments due on the XXXX day of each month. 
On XXXX/XXXX/XXXX, I traded in the car and leased a new car from the XXXX BMW XXXX ( a BMW dealer ). The BMW dealer told me that they will take care of all the paper work with the BMW Financial Services and pay off the remaining balance for the car. 
A few days later, I notice that another {$860.00} monthly lease payment was deducted from my bank account on the car I already traded in. I discussed with the BMW dealer and was informed that either the BMW dealer or the BMW Financial Services will refund me the payment in 6 weeks. 
After XXXX months, this has n't been resolved. I wrote a letter to the BMW Financial Services to state the situation of the transaction and I should not pay for XX/XX/XXXX since I did n't own or have no possession or usage. The BMW Financial Services informed me that the {$860.00} monthly payment was withdrawn through electronic auto pay on XXXX/XXXX/XXXX, and dealer payoff statement already included this payment. They indicated that there was no refund since there was no overage in the account which was already paid off and closed. They told me to discuss with the dealer as this was between me and the dealership. 
It is now XXXX XXXX, after numerous email and phone communications with the BMW dealer and the BMW Financial Services, both of them denied to refund my payment. 
It is very clear that the BMW Financial Services withdrew the {$860.00} monthly payment on XXXX/XXXX/XXXX while I traded in the car on the same day and the BMW dealer was the new owner from XXXX/XXXX/XXXX and after. Since I have informed the BMW Financial Services these facts, the BMW Financial Services should correct the payoff to reflect the proper ownership of the car and refund me the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company ( MrCooper ) failed to pay ( posted the payment late on a Friday for a policy expiring Sunday at XXXX AM, and it did not make it in time ) the XXXX XXXX in time and the policy elapsed. I had to jump in and pay to prevent the policy cancellation. I contacted MrCooper a week ago asking them to correct the amount and brought to their attention the insurance payment due date. I acknowledged the reception of my email. 

MrCooper purchased the loan from XXXX XXXX  last year and thay assure that all the information is updated and there no specific action from my side. Today I came to know that the Insurance company still has the old Mortgage company information. There is a serious flaw in this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: PA
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'm asking for a investigation on my credit file I have fraudulently accounts that were obtain in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Sallie Mae personal loan has been raising my student loans I been paying them off since I got to college XX/XX/2021, I currently couldnt afford college no more and had to drop out, I had emailed sallie Mae twice stating I couldnt afford the payments right now, I have too many bills and sallie Mae is affecting my credit,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Innovis
State: PA
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 been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: WELLS FARGO & COMPANY
State: NC
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:
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2015-09-22
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Homeowner is currently 3 months behind on its Mortgage. Homeowner situation is of a temporary nature. Homeowner is ready and willing to commence payments. Servicer refuses to consider a request for a partial claim, forbearance or other workout solution. Homeowner believes there is a simple fix to this servicer made complex issue. A payment plan that will bring homeowner to a current position will resolve issue. 



Homeowner is placing Freedom Mortgage on notice, that I am " putting the world on notice '' of the security interest in order to make the secured parties ' rights fully enforceable is known as " perfection. " Secured Party Creditor, which is the Homeowner and will be referred to Homeowner herein after, has the right to Exercise Judicial Enforcement and request damages for the trespass against the Debtor Property, which is exempt from levy and in accord to XXXX Statement # XXXX 2015 XXXX. The Secure Party is the rightful holder in due course. Secure Party has a superior lien against the property in question and is above all others who profess to have an interest. Any attempt to commence a foreclosure proceeding will be consider a commercial injury and will be subject to the collateral value stated in the XXXX XXXX XXXX stated herein. 

A workout solution would be beneficial to all parties. If a workout solution is not met, the Homeowner will exercise its rights under XXXX XXXX accordingly. 

The Homeowner desires a workout solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After reviewing my credit file i've notice a few accounts and a Bankruptcy that doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was the victim of a Zelle scam. A thousand dollars was stolen from my bank account without my authorization and my bank XXXX XXXX won't help me at all to refund my money. I did point out the XXXX law The Electronic Transfer Act but they completely ignored me. I feel extremely violated by everyone especially my bank that was supposed to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
These people bought my mortgage a few years back, and are the worst I have ever seen in terms of customer service, and that is quite a statement. 
I have run call centers/helpdesks for some time now, and if my staff or response times were anything like this, I would expect to be fired. After waiting 15 minutes to speak with someone, I had a complaint about a fee they wanted to charge me for a piece of basic information ( payoff quote ). I asked to speak with a supervisor, and was told that none were available ( strike one ). I was told that I would be given a call back - when I asked what the timeframe was I was told 72 hours ( strike two - three days, really )? 

Strike three was when I was told that " supervisors do n't leave messages for people if they ca n't get in touch with them '', this in response to me saying that I had never heard back about another complaint I had with them a few months ago. I was told that someone " tried to call me '' three times, but did not get me. Absolutely pathetic - I have no missed calls or messages from them. 

At the end of the day, I need this information to get away from this pathetic company, so I will pay the fee. Exactly what they are counting on me ( and XXXX other customers ) doing because they assume that we will just " go away '' when there is no available escalation path within the timeframe that we need the info in.

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 2015-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A checking account was opened online by an identity thief despite having frozen my account with credit agencies. When I called SunTrust, I was told they could not speak with me over the telephone. I needed to present myself to branch. Went to branch. Was assured by representative there that the account would be closed promptly, and they placed an additional password that was to be required for all transactions. Received blank checks 3 days later for the " closed '' account. When I called next day, was not able to speak to fraud department, was placed on hold for more than 10 minutes, and was told that account would be closed sometime ( no estimate given ). And no password was requested.

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 2022-07-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are eligible for PMI removal on our current loan through PHH Mortgage. We submitted payment for {$150.00}, on XX/XX/2022, for the appraisal fee, as the service center confirmed we met all requirements to have it removed. Once the appraisal came in, that would determine/ confirm we were over 20 % in. They cashed our check, and have been ignoring our calls/ emails in regards to this.

Company response to consumer: Closed with explanation