BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus XXXX  and Transunion remove this collection and they have still not. Please HELP!

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 2020-04-22
Company: U.S. BANCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I APPLIED TO USBANK FOR A XXXX LOAN. THE PORTAL IS BROKEN FOR MY APPLICATION AND IS NOT LETTING ME PRODUCE DOCUMENTS NEEDED TO BE ACCEPTED FOR THE LOAN. I EMAIL THEIR SUPPORT EMAIL ADDRESS WITH DOCUMENTS AND GET RESPONSES THAT DO NOT HELP WITH MY APP. THEY TOLD ME TO REAPPLY FOR THE APP BUT SIMPLY THE PORTAL DOES NOT WORK FOR MY ACCOUNT AND THERE IS NO ONE WILLING TO FIX IT. THEY KEEP EMAILING ME THAT MY APP IS MISSING DOCUMENTS BUT DO NOT TELL ME WHICH DOCUMENTS ARE NEEDED, INSTEAD THEY GAVE ME INSTRUCTIONS ON HOW TO GET INTO PORTAL, BUT PORTAL IS NOT WORKING AFTER FOLLOWING INSTRUCTIONS. I SENT IN XXXX T, XXXX XXXX XXXX, BANK STATEMENTS, DRIVERS LICENSE, CODES TO UNBLOCK MY CREDIT AND CODE TO BE ABLE TO DO A BACKGROUND CHECK. 

EMAILS HAVE STARTED SINCE XX/XX/XXXX, HAVE OVER 30 EMAILS BACK AND FORTH.

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 2021-12-10
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Hello, I recently applied for an XXXX XXXX XXXX and was declined for the following reason " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' When trying to look into this on my Experian report. The only deferral I see is on my Federal XXXX  Loans which was applied automatically. I was informed under the CARES ACT this should not affect my credit, but appears this is the reason I am not able to get my XXXX XXXX XXXX. I have been trying to resolve this issue with both XXXX XXXX and Experian and each is placing the issue on each other as an error they need to fix.

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 2021-12-10
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company is not transferring the mortgage via survivor in interest. I have submitted all the documentation. I/we call XXXXx per week. The company tells us to wait for a final decision until a specific date ( XXXX XXXX ). After XX/XX/XXXX, they say they don't have the information or it isn't a clear document and that it needs to be resubmitted. This process has been in the works for over 4 months with no decision and no contact person to help. They are delaying the transfer of survivor in interest to try and force this mortgage into foreclosure.

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 2020-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I was made aware by a Capital One fraud alert that there were some suspicious activity. I further need my account and realized that someone made unauthorized transactions and withdrawals. I immediately called Capital One to dispute the transactions. They then canceled the current debit card and reissued another debit card. However, I was never in possession of any debit card from Capital One because someone was stealing the mail at our residence and had intercepted the mail before I could get it. This also occurred for the replacement debit card. It was intercepted and subsequently withdrew more money and made more transactions on my account. As previously before, I was not aware until I received an alert and I then called into Capital One. Capital One decided to freeze my account and I went in and changed my password because my password had been compromised. Capital One then performed an investigation and determined that all the doodled transactions were authorized and no error occurred. They also decided to close my account and relinquish our relationship and informed me that I would not be able to open a checking or money market account with them in the future. They also told me that if I wanted any information regarding the investigation, that I would have to contact the police and they subpoena the bank to give the information. At no time was I asked to complete an affidavit or sworn statement to confirm that those transactions were unauthorized. I had to call Capital One to find out that the transactions weren't going to be reversed. I was unjustly, unfairly treated by Capital One and wasn't my money back. I've also had two credit cards that I possess with them for a few years and never had any fraud activity going on with those accounts. Why would I start work a checking account containing my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Topic : Transunion removed ( incorrectly! ) the most positive item on my credit report. 

On XX/XX/XXXX, I sent Transunion a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. 

They corrected one item, ignored one item, and decided on item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.

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 2021-12-10
Company: National Credit Adjusters, LLC
State: MO
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:
It has beem 10 years that XXXX reported the account closed and paid and charge off I disputed to remove to XXXX, XXXX, and XXXX. The credit reporting agencies has not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do have a credit account with XXXX XXXX XXXX XXXX which was past due. I do not deny that. However, they have repeatedly called my in laws to collect payment and I do not reside with them and am also (obviously) not blood relatives of theirs. It is my understanding that if they've contacted a "relative" once and established that they do in fact have the proper number and email for me (which they do and it is NOT the same as my in laws) that they are to no longer contact them again. They have done this in the past and I've contacted them regarding the matter. They continue to call excessively. Again, I understand my part in the matter but it is my debt to pay not persons unrelated to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: LEXISNEXIS
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Please remove this bankruptvy from my public record Validate Account XXXX Please remove this bankruptvy from my public record Validate Account XXXX Please remove this bankruptvy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I asked for my XXXX XXXX XXXX to be added to my personal checking and savings account. The bank messed up the first, 2nd and 3rd attempt to create this change, which they admit is due to training issues. The errors they made caused my paycheck from my employer to be auto rejected because they froze my account without my knowledge. My employer then had to mail me a paper check. Also, my credit card payments were not made on my auto-pay since they froze my account. This caused NSF fees to be applied. I have spoken and met with the assistant manager XXXX XXXX, Manager XXXX XXXX, Vice President XXXX XXXX, and various other staff, but the NSF fees have not been resolved as of today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2018-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian and XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2021-12-10
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MB FIN SVCS with the account number XXXX and this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
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:
Fair Collection & outsourcing is reporting inaccurately and has caused me suffer financial damages. They have violated the privacy of my consumer report by reporting information based solely on transactions and experiences between me and the person making the report. Refer to 15 USC 1681a paragraph 2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The interest rate on my loan increase quaterly for no reason. I do not recall receiving information about the rate being variable. The out of school date is also incorrect. I graduated from my undergraduate program in XX/XX/XXXX and my graduate program in XX/XX/XXXX. I intitally received the loan through XXXX when in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had three XXXX  County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX  XXXX XXXX ( XXXX  ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. 
A few days ago ; the collections agencies made new reporting to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
In the XXXX CC XXXX case ; Debski & Associates, P.A. posing as XXXX XXXX XXXX  ( XXXX  ), XXXXXXXXXXXX. They are a debt collections agency that buys old charge-off debt. This company does not represent XXXX XXXX XXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage servicer, SLS funding, is not transferring the mortgage per the survivor in interest claim. They keep losing documents and saying they need documents resubmitted and giving dates to call back when nothing ever gets decided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For the past 5 years, I have been put on a graduated repayment plan that I was not aware of and did not approve, and I did not know that the payments will increase every two years. I work in the public sector, specifically, I am an  XXXX  for the  XXXX   XXXX . Because of my employment in the public sector, I qualify for the public student loan forgiveness program. The payments that I have made can not be counted towards the PSLF. From today I should have had 5 years of payments left towards my loans to receive the forgiveness granted for individuals working in the public sector. But because I was not put in a qualifying repayment plan, I have to start the public student loans forgiveness program all over again. My loan servicer was not compliant with the regulations that the CFPB has set as well as the CFR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AmSher XXXX Collections is violating the Fair credit reporting act by not notifying the crediters about the debt owed. I came to know about this after my credit score took a significant hit. Please XXXX them and read reviews, everyone has the same problems. Their customer care number keeps going straight to voice mail. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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 disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2017-06-06
Company: STERLING JEWELERS, 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 have disputed multiple times with all   XXXX   credit bureaus because an account with  KAY JEWELRY is o n my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business w ith KAY. I  have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-12-10
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX & outsourcing is reporting inaccurately and has caused me suffer financial damages. They have violated the privacy of my consumer report by reporting information based solely on transactions and experiences between me and the person making the report. Refer to 15 USC 1681a paragraph 2.

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