BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the 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 explanation
Consumer complaint received 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Account Discovery Systems, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX has called my boyfriend, my boyfriend 's parents in another state, my brother, my friend and neighbor friend XXXX and my friend XXXX about the debt, and discussed details in a recorded voicemail. If the person XXXX XXXX calls answers a live phone call, XXXX XXXX lies, and pretends to be a long lost friend of my mine from New York, who needs contact information to re-connect, urgently. She refuses to contact my attorney, and contacts everyone else instead, even though she already knows my address, phone number and place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently went on XXXX and began filling out their online application to get a quote on how much I would be able to receive as a loan with the first time homeowners program. I did NOT submit any of my information and after randomly checking my credit score XXXX, I noticed that my credit score has DECREASED about XXXX points. I looked to see what caused this drastic change and saw that it was based on XXXX banks pulling hard inquiries on my credit without my consent or knowledge. I would like to file a complaint with Transunion and to reverse this action and return my score to its original score if possible. Thank you so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Account Discovery Systems, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector repetitively called me to pay an amount my ex husband owed at XXXX which he got when he was still not married to me. he opened an account at XX/XX/XXXX and got tv, XXXX etc before we got married and now the collector is convincing me that i should pay it too since my ex husband is not making his payments. we 've been divorced since XX/XX/XXXX and the collector started calling me XX/XX/XXXX. He wanted me to pay at least half of what my ex-husband currently owe XXXX which is XXXX. I have my own account at bestbuy and excelent with my history of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My complaint is only sending through some sort of regulatory agency in nature to ensure a substancial record is maintained. Equifax among all relative credit reporting agencies have generally been a good steward, not abusing their obligation in order to support a non prosecuted financial industry. My request, sent as a complaint is just for reconciliation of all accounts, and inquires maintained by Equifax. If such is done, then it 's not the inaccurate reporting on of the credit reporting agencies its the unverifiable information sent by their billing clients, the above the law financial industry. Which is the subject of my complaint. If the Credit reporting agency reconciliates the record, then all complaints i believe will be resolved. If the credit reporting agency verifies my name, specific the one that appears on my social security card, which is the number identification that it uses to maintain such report, then it will take care of itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently disputed inquiries in my credit file which were not initiated by me. Equifax place these eroneous inquiries in my file instructing me to contact the creditor. If I did not contact the creditor to have them placed there why is the burden placed upon me to have them removed instead of the reporting agency, who caused this error to began with. Not only is it illegal to provide false information it is also making it harder to gain new accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX, XXXX XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Seterus, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a current mortgage serviced by Seterus , Inc . I am trying to pay down the principal every month by adding {$120.00} payment. I make the payments over the phone, separately, and the representative on the phone tells me I can make the payments this way. Seterus ' representative gives me a separate confirmation number for each payment ; mortgage payment and the extra principal payment. But when I receive my mortgage statement, it shows the extra principal payment going into a suspense account instead of going to the principal balance. I have called to get it fixed, just to have it occur again the following month. This month I received a letter with my mortgage statement explaining that Seterus " can not accept partial payments '' so they put the money in a suspense account. When I make the extra principal payment I am not making a partial mortgage payment and the representative on the phone assures me the money will be put on the principal. I called Seterus this morning and spoke to a customer service agent who told me that Seterus can not take extra principal payments over the phone because the system can not accept it and therefore every time I make the payment over the phone it will be put into a suspense account and eventually moved. She advised me to send a separate check to Seterus in the mail for the principal payment if I do n't want the money to end up in a suspense account. I do not understand why a servicing company can not apply payments over the phone as directed when it takes an employee to enter the principal payment into the computer either way. I do not believe I am the only person trying to responsibly pay down my mortgage and being told conflicting information. Putting my extra payment in a suspense account instead of the principal on allows Seterus to make additional interest and costs me every month. I would like to know if a servicing company can purposefully make it more difficult to pay down the principal balance, especially for people who do not use snail mail anymore, in order to dissuade people from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : Ref CFPBcomplaint # XXXX It seems if XXXX XXXX delegates problem and perhaps rather than send form letter raising payments and contact XXXX County Auditor 's office as asked this matter could be resolved contact XXXX XXXX extension XXXX ref to any questions approved for 4 % tax rate.

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 2016-08-02
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have disputed the information but have not heard back from Experian as of yet. I was turned down for my vehicle loan because Experian put XXXX Fraud alerts on my credit report. I did not request for them to do this, they apparently took it upon themselves to put the Fraud alerts on their themselves. This was very embarrassing and I have not been extremely upset about the situation. I have asked them to remove this immediately as they have addresses listed that I never resided at, companies that I have never even worked with and phone numbers I have never had, etc. Can you please assist with this matter.

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 2016-03-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting XXXX XXXX XXXX XXXX lates as recent as XX/XX/XXXX. This debt as included in our CH XXXX bankruptcy which was discharged XX/XX/XXXX. I demand that the account gets statused as included in the BK with no lates after the BK date.

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 2016-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Second complaint against XXXX Bank. Disputed information on my XXXX report and XXXX had both accounts in question deleted. Same dispute sent to Experian. Received results and only XXXX account deleted and the other XXXX updated. Called Experian to find out why. Representative there said that XXXX told Experian they " just wanted to leave that account on my credit report ''. Again, same accounts were deleted with XXXX and should be with XXXX as well. XXXX is not consistent with their reporting practice and is in violation of the FCRA and FDCPA. I will file complaints with FTC and state attorney generals office after this complaint if it is not resolved 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 2015-06-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Collection Management Company
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being over charged a copayment of XXXX dollars when it should be XXXX dollars. After multiple calls i did giving my correct copayment assistance card I keep getting billed the higher amount and I am being threatened with collection because of someones error at XXXX XXXX pharmacy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have a loan with a company called One Main Financial in the city of XXXX, CA. I received a call from a representative by the name of XXXX. I have been attempting to apply for a loan deferment for XXXX weeks. The reps at the branch have stated they have emailed me the deferment form but I had not received it. Finally, on Wednesday, XX/XX/2016 XXXX stated she is handling my account and that " I better get the form in ''! She became irate when I told her she was speaking to fast and I was unable to understand her words. XXXX then stated " hold on! ". She Abruptly placed me on hold ... When I advised XXXX that she was being rude, she in turn told me I was the XXXX being rude and hung up in my face. I called the One Main XXXX back, XXXX again answered the phone. I asked for a manager, she stated there is no manager and declined giving me the name of a manager. XXXX then hung up again. I have been a customer with One Main for some years. I have always worked with XXXX. She is extremely pleasant. The Service provided by XXXX was very unprofessional and disgusting. This is not reputation that One Main Financial should want for their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
WASHINGTON FEDL SVGS is reporting an a negative mortgage account on credit report of XXXX XXXX of XXXX, WA. Account and property was granted to the ex-spouse at the time to dissolution of marriage and court order was issued releasing XXXX XXXX of any obligation and liability related to the property and this loan. Numerous attempts to Washington Fedl have been ignored and this account is still actively reporting to XXXX damaging credit and causing financial distress to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: American Coradius International LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a debt collection letter for a debt through XXXX. I have not had an active XXXX Account since 2007. I contacted XXXX about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former XXXX account holders. It appears it is a collection scam. https : XXXX So I am filing a complaint before they try and hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: WESTERN UNION COMPANY, THE
State: DE
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I SENT MONEY TO XXXX SUCCESSFULLY FOR THE PAST EIGHT MONTHS BUT WAS STOPPED FOR CONFLICTING REASONS GIVEN BY PHONE. I HAD TO SPEAK WITH OVER XXXX DIFFERENT PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I rec 'd phone call from this company called XXXX @ phone # ( XXXX ) XXXX regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court.

Company response to consumer: Closed with explanation