BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX 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 im XXXX now.with no 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 2023-03-20
Company: EQUIFAX, INC.
State: DC
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:
Hello- I have reached out to the credit bureaus, department of education and XX/XX/XXXX. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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:
I emailed the CEO of XXXX XXXX XXXX XXXX and I also tried reaching out to Eqiufax who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose XXXX points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by XXXX points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Firstly, The United States Bankruptcy Courts state on their website that the DO NOT verify, nor do they report bankruptcy records to ANY consumer reporting agency. Please provide documentation of your proof of verification. Also, I have personally researched the identification number XXXX that you have provided and found no validity of you claim. 
According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

This inaccurate reporting has caused me immense hardship and needs to be rectified immediately. 

Congress also states that I, XXXX XXXX, must give written permission to Experian to access my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not, in fact, given Experian written instructions to report this information according to the law above. By reporting said information Experian is in violation of section 604 by asserting this false and erroneous report. 

Failure to respond satisfactory with deletion of the Bankruptcy and all other erroneous information that you are reporting on my consumer report will result in legal action being taken against your company for which I will be seeking {$1000.00} per violation, defamation of character, noncompliance, civil liability, mental anguish and the FCRA 15 usc 1681 for violations under willful noncompliance, section 616 civil liability for noncompliance, 15 usc 1681n.

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 2022-10-25
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 a company called XXXX was paid from my account at XXXX. 
After contacting them ( moneylion ) i submitted a fraud claim as I had never heard of, visited them, browsed them, much less bought something. 
At this same time I was getting similar transactions thru all my accounts. Most were blocked but the charges that got paid were ALL returned to me since someone had gotten access to all my accounts. 
The moneylion one really bothered me because it was a brand new account and only XXXX person besides me knew it even existed. 

But all fraudlent transactions at this time were refunded back to me except for moneylion. 
On the phone when submitting the fraud claim the person on the phone said that i must claim that the card was not in my possession to get my money back. Odd that the customer service person was telling me to lie about it. I did not lie about it. 

This person or what ever had all my information and if used a card they must have had to make XXXX. Does not seem like a hard thing to do, it's probably done all the time. 

Even so just google the company. Does it exist? No. how could I buy something from a nonexistent company. Even today XXXX returns XXXX hits. Just XXXX. Neither are a store. 

I joined moneylion so my friend could get the {$50.00} referal, which by the way has never happened. As soon as this happened I stopped using moneylion. Account was left open so that someday they could give me my money back.

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 2022-10-25
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The whole month of XXXX I was getting calls from Hunter warfield about a debt of XXXX for something about a apartment complex I rented I never rented a apartment complex so they said they I could possibly do jail time if I dont pay I ask for information they say they sent off I never recieve I ask for original creditor and the their right to be collecting debt or to keep calling me they hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient XXXX XXXX XXXX is calling me about someone else 's loan. They are wanting me to give them information so they can contact this person. I'm unsure why they are calling me about something that doesn't concern me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: TN
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, Equifax, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance! 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - 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 2022-12-07
Company: Synovus Bank
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
First Progress bank put a closed account on my credit report about 2 months ago. I disputed the account as fraudulent and they responded saying that they weee able to verify my identity. I have had a ro lemon with the credit bureaus opening credit accounts in my name without contacting me to verify my identity. Specifically XXXX allowing upgrade bank to open an account with fraudulent information. I am asking that First Progress remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.

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 2020-06-20
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
ONCE AGAIN. CREATIVE FINANCE! Improper credit application of returned merchandise to wrong promotional balance. I purchased an item that was returned and the promotional balance expires XX/XX/XXXX. The credit was applied to a balance that expires in XX/XX/XXXX - thereby FORCING me to pay more of my balance sooner to avoid interest. Customer Service account manager REFUSES to explain HOW an item purchased XX/XX/XXXX ( A freezer ) that is STILL ON ORDER and NOT DELIVERED has a promotional balance now of {$270.00}. Other items returned and credit of items is incorrectly posting to promotional balances. Customer Service is blaming the actual store for this error, which there is no way a store would know if I had a promotional balance or of what amount at the time of a return. 

WHEN IS SYNCHRONY BANK GOING TO GET FINED AND PUT OUT OF BUSINESS FOR THEIR EGREGIOUS FINANCIAL HANDLING. EVERY XXXX ACCOUNT I HAVE ISSUES WITH IT IS SYNCHRONY. THE CREATIVE FINANCE 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 2022-08-24
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX  I contacted PHH mortgage via phone to inquire about the removal of PMI ( private mortgage insurance ) on my home, as I believed due to a combination of local market trends and home renovations the home had increased in value placing it below the 78 % loan to value threshold required. They informed me via a written letter that I needed to submit a payment of {$100.00} to pay for a brokers price opinion to determine the value of the home to be considered for PMI removal. I submitted the requested payment and information and the check was deposited by PHH mortgage XX/XX/2022. This was reflected in the PHH online web portal records for my account. 

Following the deposit of that payment a third party vendor contracted by PHH, XXXX XXXX, reached out to schedule an inspection of my home for the broker 's price opinion. The inspection was performed by a contractor of XXXX XXXX on XX/XX/2022 and the final report was delivered to PHH mortgage on XX/XX/2022. ( I was informed of the XX/XX/XXXX submission date from a customer service representative of XXXX XXXX ). 

Following the submission of the XXXX report, I received no communication from PHH mortgage whatsoever and on XX/XX/XXXX I was charged for PMI on my mortgage account. After being charged for PMI again on XX/XX/XXXX, I called the PHH customer service line to inquire about the status of removal, and they confirmed receipt of the report and said that I would receive a letter within 5 business days that my PMI has been successfully removed. I received no such letter, and still have not more than 30 days later. I called again on XX/XX/XXXX to request a status update and was told they would be looking into it- but heard nothing, received no letters, and was charged again for PMI on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Formal written complaint : We have not received our scheduled periodic mortgage statement form the mortgage Servicer since XXXX XXXX. Change went into effect in XX/XX/XXXX across to entire organization that NO STATE Monthly Mortgage Statements would be sent to anyone where Specialized Loan Servicing was the servicer on any junior lien position. 
Called on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XXXX-There were other calls from my Wife on this account and we are deeply concerned. 
Have still not provided the requested payoff statement nor are they sending us our monthly schedule periodic payment statements. Their address on their prior statements does not match the P.O. BOX address they gave us over the phone to send payments. 
Show they are 4th in lien and thats why they are not sending mortgage statements. 
Spoke to XXXX XXXX- Company Policy. 
XXXX-Escalations This is the response I get when I try and to download the payoff quote. To date they have not sent me any payoff statement or scheduled periodic payments. XXXX stated they did not send mortgage statements any longer for loans in 4th position. 
This loan is in second positon as I explained to XXXX and told him that I had refinanced about a year ago and even paid the subordination fee to Specialized Loan Servicing. To date no scheduled periodic payment statements, no payoff, and the complete run around. XXXX the Supervisor stated that the company had changed its billing center from Georgia and they should have sent us notices about that.

After hours of efforts we are no closer to getting resolution.

Solution : Investigate Specialized Loan Servicing and bring an action for failing to send scheduled periodic payments. Compel them to fix their payoff request process, have them retract and reimburse all late fees for the period of time they have been gaming borrowers such as me and my Wife.

Have them recalculate my loan from its inception and credit all overpaid  interest and fees. The payoff shows the per diem interest rate to be 4.3496 % which no way reflects the 10.5 % actual interest rate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 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 2017-08-14
Company: Diversified Consultants, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX first contact with DIVERSIFIED CONSULTANTS INC. was informed i owed {$550.00}. XXXX XXXX check credit report a collections was added for {$550.00} predated XXXX XXXX, was not on any previous credit reports. I feel my due process was violated by not sending me a debt validation letter for me to determine if it is a legitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Ignite Revenue, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called repeatedly using different tactics nd different phone numbers. Said they are legal dept. and then said they are mediators. Claimed they were going to serve me court documents and have last of my social security numbers, My attorney then called and they said I owed payday loan in amount of {$990.00} which I have never had. They have called my mom and my sister on separate occasions looking for me which is ironic since both myself and my attorney have spoken with them and told them t9 stop harassing me. 

Phone number : XXXX XXXX XXXX number that has called me repeatedly

Company response to consumer: Untimely response
Consumer complaint received 2016-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.

Company response to consumer: Closed with explanation