BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage bought my mortgage earlier this year. They increased my payment due to an increase in the escrow payment - I have no problem with that. However, I did not get notified of the increase. I always pay my mortgage electronically, and always have included more than the amount due. In XXXX, I got a notification from Carrington that they had not received my mortgage payment. I checked my bank records, and they indeed had cashed the electronic payment. When I called to enquire about why they thought they had not received it, they told me that they had increased my payment, that the amount I had paid was insufficient, and that they did not accept partial payments, so it was the same as if I had paid nothing. I made a payment at that time to bring the account up to date but told them I was disputing the {$82.00} late fee - which the Customer Service person said was kept in a separate account anyway. When I tried to change my electronic payment to the new amount, my bank said the payment was already being processed and could n't be changed, so I sent an additional {$100.00} to Carrington to cover the increased mortgage payment. I then changed all subsequent payments to the new amount. I received another letter from Carrington in XXXX saying that they had not received my payment for XXXX. Again, my bank records show that they cashed the original payment and the additional {$100.00} payment. It should be apparent that they now owe me money, as the {$100.00} more than covered the additional escrow increase. 
I have received numerous additional notifications of non-payment - every month - despite my bank showing that they have cashed the electronic payments for the exact amount required. I have tried to talk to their Customer Service, but it is apparent that the only thing they can do is take a payment over the phone. The first time I called in XXXX, they acknowledged that they had mis-credited my XXXX payments, but I still get notifications of non-payment EVERY month. I have bank statements to prove all of the payments. I have made approximately XXXX calls to their customer service, and they repeatedly put me on hold for XXXX minutes at a time. I 've even had XXXX of them ask me if I can just call back Monday - which I assume is when she would n't be working. When I ask to speak to a supervisor, they dump me into voice mail. I finally tried calling their corporate offices - good luck with finding anyone who has an idea how to resolve this without just calling Customer Service, which is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX XXXX accounts that I know are past the statute of limitations, this agency is trying to advise me they will not honor my request nor remove the items. This is against the FCRA. These items have been re aged and I want removed. XXXX XXXX and 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$100.00} ; XXXX  XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2016-05-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed A fraudulent account with Experian, and an account with invalid late payments With all XXXX bureaus. I contacted both agencies and they verified that they were not reporting these inaccurate items to the credit bureaus, All XXXX of the Bureaus have failed to send any verification for the accounts. Experian has blatantly refused to further investigate the accounts in question. They have an inccorect account reporting of a bankruptcy on my credit that is causing harm to my credit and denials of credit because of this notation. The account is not mine it was reported as fraudulent to the bureaus they refused to remove it and it is also not even a bankruptcy on my credit. So they are incorrectly reporting these things to my credit.

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 2022-03-25
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received this letter about a medical debt to XXXX hospital for a visit that took place on XX/XX/2014. For a debt of {$60.00} on a {$820.00} balance reduced to {$9.00}. I am up to date with payments for XXXX XXXX because I am still a patient. 

Also I just received this letter in the mail today and I know its a scam so Im sending this info to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX has my XXXX XXXX as XXXX as reported by Experian, this is totally wrong! Therefore, I was charged a high deposit to establish service with XXXX XXXX. I called every number to speak with someone at Experian and all I get is automated and no customer service. My score is XXXX, and I have had to put out more money on deposit than I should have. XXXX XXXX won'y take any responsibility on the matter so I have zero help on both ends.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
In XXXX after my credit score dropped almost 60 points Navient reported my loans 90 days past due but I did a deferment. I was not notified by Navient before deferment ended. I submitted a dispute the same day Navient put a forbearance in place that I was not aware that I had available to me. On each loan with XXXX and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday XXXX sent me a notification that my dispute was completed and Navient changed nothing and left all loans as is. I called XXXX and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving Navient another 30 days to fix it. I brought this to Navient attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called Navient about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again Navient will not give me any information. I have had nothing but headaches with Navient since they were Sallie Mae. I did a rehabilitation in XXXX for Navient loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue Navient and XXXX. The loans for XXXX XXXX also belong to once was XXXX XXXX. In XXXX I believe XXXX XXXX switched the name to XXXX XXXX. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. XXXX  XXXX took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My XXXX  XXXX loans are with XXXX I believe. I asked Navient for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received several letters in the mail XX/XX/2022 from a Credit Union stating that I had attempted to open several accounts with them, and another welcome letter containing a debit card. I did not attempt to open any accounts from anywhere. 

The account that managed to be opened was opened on XX/XX/2022. 

I found the Credit Unions website and called around until I got an employee who then flagged my account ( s ) as fraudulent. The employee said that I would be getting an affidavit in the mail from their fraud department that I would have to sign in order to close the account ( s ). 

It has been a month since that call, but have not seen the affidavit come in the mail. 

Today, I received a welcome packet from the same Credit Union for the same account number that the debit card came with, so I called again. 

The person I spoke to today assured me that any accounts associated with my name are flagged, so nothing can be opened or used, and that the affidavit is definitely on its way. We shall see.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 attempted to obtain my free consumer report from TRANSUNION but was not able to do so with ease. I am very frustrated because this report is to be accessed with ease pursuant to 15 USC1681 h ( c ) ( 1 ) ( B ) ( iv ) but receiving my report has not been easy for 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 2015-04-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
When trying to acquire my free annual credit report, I first went to freecreditscores.com and quickly realized that Experian was going to try to enroll me in a " Trial-membership '' if I asked for my report. I exited and learned I should go to XXXX. I entered the required information and ended up on the Experian site which offered a Credit score for {$1.00} and/or the free report without membership. I did not see anything about this trial membership at this point. There were other offers that were obviously paid offers. I paid the {$1.00} and received the Experian credit score but did not receive any type of receipt for my payment. ( but I did 7-days later for the {$21.00} ) Had I scrolled up the page from where it started, I would have seen the " Important Information '' about the trial membership. Also not included in the " Important Information '', is a statement at the very bottom of the page stating " ** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge. '' ( If you call their customer service and hear the sales pitch ) You have to scroll down past all of the graphics and ads to find this. No reason it should not have been included in the " Important Information '' directly and is clearly a deception. In the " Terms an Conditions '', membership is mentioned but no mention of an automatic trial membership and charge. I was on the look out for schemes such as this and was still duped. Experian should be dropped as a credit reporting agency and a part of the federal free annual credit report program. It is only a trap for a company that profits from the sale of credit information to third parties. That 's just my opinion. I hope you can stop this as this has gone on for years with a slap on the wrist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
On XXXX I was giving a hard inquiry from SunTrust DBA Lightstream bank. I had called the bank in which I had no previous knowledge of to dispute the hard inquiry. The customer service representative stated they would report fraud but nothing has been done. The loan is still on my credit report as an hard inquiry. I never apply for SunTrust DBA Lightstream bank.

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 2022-03-25
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Equifax online on XX/XX/2022 regarding items on my credit report collections that did not belong to me. I have escalated the dispute to investigations multiple times over XXXX and XXXX. The problem has still not been resolved as of XX/XX/2022. They give me different information every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed with Experian multiple times concerning the false public records being reported to my credit history. I explained that the public records are identity theft and filed a police report and Id Theft Affidavit. I called Experian and they said that because it is a matter of public record they cant do anything to rectify the situation. Experian Also explained that I was to take my actions to the XXXX Bankruptcy court and ask them to remove these Bankruptcy filings and unauthorized inquiries from my credit history. 

It is my hope to get this Identity Theft issue resolved once and for all but to this day I am still receiving unwanted unauthorized inquiries on my credit report. I have never been in a bankruptcy and I have never filed bankruptcy ever ; I would like to get these public records deleted from my credit history so they stop causing me hardship. 

Experian states that these bankruptcy remarks are a matter of public record and can not be removed unless through the data furnisher itself. Which is why I went to the XXXX Bankruptcy court and obtained a copy of the bankruptcy filings. That is when I noticed that the bankruptcy filings Experian is now reporting on my credit file contain inaccurate information that is clearly not me. My name was spelled wrong on both bankruptcy filings and the social security number is not even valid. It is clear to me that I am a victim of an impostor playing harsh pranks on me and that Experian is reporting false public records of someone else who did a bankruptcy filing. 

The bankruptcy court will not allow for me to remove these public records stating that I must first verify the identity of the person on the filing. This is impossible because my name is not the person on the filing so can not be verified for the XXXX Bankruptcy Court to expunge from the records. 

As you can see no matter which way I turn for help to remove the Bankrupcy Public filings they are still being reported. Experian reports false information that I am unable to remove from the bankruptcy court records. 

I am not sure why removing the false records would cause anyone harm because the bankruptcy items being reported were dismissed bankruptcy filings that never went to fruition. The only person receiving grief from the incident is me as I would be rejected from additional credit providers due to having filed bankruptcy. Creditors do not care that it was dismissed they only care it was filed and reject my credit applications instantly for that fact alone. This information is damaging me and must be rectified somehow. 
The accounts that should have been deleted and/or removed from Experian are as follows : ID Number : - XXXX BANKRUPTCY COURT/UTAH XXXX US BANKRUPTCY COURT/UTAH XXXX Unauthorized/fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TECHNOLOGIES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Date of XX/XX/2022, I received an alert from TransUnion app & XXXX XXXX app stating there has been a hard inquiry placed on my account. I quickly look into the account and notice this was an unauthorized inquiry. I was immediately suspicious and decided to contact the TransUnion Bureau immediately to resolve the issue. While I was on hold for TransUnion I decided to contact the fraud dept of the creditor reporting onto my credit file ( transunion only- no other bureaus received this inquiry ). The fraud dept of XXXX informed me there is no account open in my name or SS #. There was not even a application processed that day using any of my information. And it will be impossible to send a " letter of none records '' to the bureau reporting this matter if there is not account found ( per policy ). When spoke with TransUnion I was given a reference number to confirm the transaction that will take place ( removal of hard inquiry resulting in fraud ). The next day I called to check status, the representative did not have a clue what i was referencing to. The rep advised me to call the creditor instead even after being informed of my phone call previously. Today I am highly upset with what the bureau is exhibiting. The behavior of one of the reps was uncalled for she became very eager to disconnect the line after repeating her self constantly ( her dialogue was very heavy I could not understand her at all ). She disconnected. Consequently, I am writing a complaint and requesting a hard Inquiry be removed immediately as I have evidence this is fraud.

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