BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-03-31
Company: ERC
State: LA
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:
I have disputed XXXX accounts as of XXXX that are listed on my credit file and the accounts have been " verified '' however, today when I called them, they stated that they could n't discuss the accounts with me because they were n't in my name. This makes no sense whatsoever. How can they continue to report on my credit file but they ca n't discuss the account details due to the account not being mine. I am trying to purchase a home and I am 100 % XXXX as well as XXXX and it 's rediculus that I have to fight this battle over a debt that is n't mine and I 'm about to lose my house because of this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: ERC
State: CA
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:
Back in XXXX I was looking at my credit report and noticed there were some accounts that did not belong to me. XXXX of the accounts on my credit report that is n't mine is being reported by Enhanced Recovery Corporation. It is for an XXXX XXXX XXXX account. I disputed the account with the credit bureaus as not belonging to me because I currently have and have had XXXX XXXX XXXX for the last 7 years! I am a current client of theirs and do not owe them any money! Well I was shocked when the account came back as verified. 

When the account came back as verified, I called Enhanced Recovery to figure out how they were verifying the account. I spoke with a XXXX XXXX and asked for documentation on this supposed debt as well as an itemization of the supposed charges. I was told that " media '' would be requested and I would be provided with an itemization of these charges. 33 days later I still have n't been provided with any documentation and now I ca n't even get a straight answer as to what is going on as I am being transferred from XXXX office to another since they claim they have XXXX offices. 

I am no expert on the law, but I have done research on this type of thing and from the Federal Trade Commission 's own link to the Fair Debt Collection Practices Act, a collection agency has 30 days to provide validation of the debt or stop collecting the debt as it is not a legitimate debt. Enhanced Recovery has failed to validate this debt yet still refuse to remove it from my report. Furthermore, they ca n't even give me an excuse as to why they ca n't validate it or remove it. Actually, they do n't even talk to me much because they keep trying to transfer me to supposed supervisors who are always busy. They even went as far as to say they would give me the information to the president 's office and put me on hold for XXXX minutes before the line was disconnected. 

I may not have perfect credit, but I should not have to suffer illegal credit reporting for something that is not mine. I am a current customer of XXXX XXXX XXXX and have been for 7 years so how could I have a collection that XXXX XXXX XXXX themselves have not contacted me about? Enhanced Recovery is making my credit worse without proving that the debt is mine or even legitimate. Because they refuse to even talk to me, I am contacting you so you can investigate them as I am sure that I am not the only person they are doing this to. If I do not get a resolution on this I will be forced to sue them as I will not tolerate being treated like this. There are laws and just because they are collection agency does not mean they get to ignore the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied for a XXXX $ student loan to pay for my first year of college because I had applied too late to qualify for fafsa. My grandmother co-signed for me and all was ok. I was in school for 3 years and it was n't working out for me, I had family issues and could n't find what I wanted to do with my career. So I dropped out and just was working. By the time I had to pay on my loan it was up to XXXX . As far as I knew if I was in school interest did not accrue. I also was working a XXXX job part time and could barely pay living expenses. I called to try working anything out and I got rude comments and asked me why my cosigner could n't pay. My grandmother was put in a XXXX in XXXX and passed away in XXXX. I keep getting calls and I have told them many many times that she has passed away and they make a note but always ask me if my cosigner can do anything. No she ca n't because she has passed away. That really hurts when I keep having to explain it everytime. Now I have XXXX kids and I want to try going back to school to become and XXXX but I just ca n't handle any more student loans. I took a XXXX course through a XXXX college that michigan works help pay for and have been in the XXXX field for 4 years and love it. Just wish I could get over this hump so that I could finish school and do what I was meant to do. It really is XXXX harmful when they bring up questions about my grandmother when I have told them countless times why she can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


In accordance with the Fair Credit Reporting act. The List of inquiries and, accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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 went on a XXXX based forbearance in approximately XXXX of XXXX. Shellpoint was great and immediately suspended payments. In XX/XX/XXXX, I called up Shellpoint and notified them that I was ready to start making payments back. On XX/XX/XXXX, I received the " partial claim '' package. In XXXX, I had everything signed and my " single point of Contact '' told me that my first payment would be XX/XX/XXXX. First week of XXXX, I made my first payment. I checked my credit report that week because I was getting solar for the house. Well my score had dropped XXXX points because Shellpoint had reported me 30 days late in XXXX. I do not know how I could be late when they were drawing up the partial claim paperwork that month. Now I can not get solar due to " credit issues ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Dear Consumer Financial Protection Bureau, This is in regards to Seterus not following through with providing me a copy of the Deed of Reconveyance and the correction of my credit file with the XXXX credit bureaus in a timely manner. I have been calling and have sent letters to Seterus since XXXX XXXX letting them know that the loan was paid in full before the loan was transferred to them. In addition, Seterus as sent letters to me in response to my letter and complaints XXXX XXXX regarding that they are aware of the situation and will process my request accordingly. It has been over 8 months since they said they would process the Deed of XXXX and correct my credit file with XXXX. Furthermore, as a result of this, I ca n't sell or refinance my home and my credit has suffered tremendously. Finally, I would like Seturs to send proper documentation, which is a Deed of Reconveyance to XXXX XXXX of XXXX that the loan was paid in full and to correct the negative reporting on my credit reports from year XXXX to XXXX as soon as possible and so that I do n't lose on any gains. Thank you in advance for your assistance. Should you have any questions, please contact XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX, 2023 : owned accounts between XXXX XXXX XXXX and American Express National Bank savings were linked for electronic transfers per XXXX XXXX XXXX XXXX XX/XX/2023 : {$1000.00} transferred to AMX from XXXX XXXX. Transaction credit never acknowledged by AMX. Trace ID provided by XXXX. XX/XX/2023 : Spoke with AMX on-line help to see why the deposit was not reflected in my savings acct. Spoke with XXXX XXXX on-line transfer help line to see why deposit to AMX was not made. Initial claim generated with XXXX XXXX XXXX XXXX. Claim # XXXX. XX/XX/2023 : XXXX XXXX closed claim per " miss-applied funds '' by AMX. XXXX went into my AMX savings account and transferred {$1000.00} back to XXXX account to close the claim. The original {$1000.00} transfer was never shown as a credit to my AMX. XX/XX/2023 : FDIC Case # XXXX filed on-line via the FDIC web site. XX/XX/2023 : Wrote a claim letter to AMX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from XXXX XXXX. XX/XX/2023 : FDIC Case # XXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXX. XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. XX/XX/2023 : completed a complaint on-line with Consumer Financial Bureau . 
Called CFPB, asking if I needed a second complaint for American Express National Bank, they were the receiving party to the attempted ACH transfer from XXXX XXXX. To date, I have received no updates to the American Express Dispute letter I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem ( pt. 1 ) The HAF program provided mortgage assistance and as of today the funds do not show as applied. There was an approval of funds for XXXX and XX/XX/XXXX mortgage payments. PHH has not credited the XXXX XXXX payment as of today, XX/XX/XXXX. My mortgage payment is currently showing 28 days past due, as a result. 

Attached is confirmation that the payments have not been applied and an email from PHH that Delaware HAF has requested information on my account. Which confirms they received communication regarding the approved payments. ( I received the exact same communication from PHH when HAF approved the original request in XX/XX/XXXX ). 

The problem ( pt. 2 ) After the Delaware HAF requested total amount to bring the account current in XXXX of XXXX, PHH assessed additional charges in XX/XX/XXXX and tacked them on to the monthly payment. Further increasing the monthly payment and consistently keep the account from arriving to a " normal '' payment state. 

PHH has assigned my account to 3 different relationship managers in the past 3 months, non of which has ever contact me via phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Signature Performance Tiburon, LLC
State: NE
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:
On XXXX XXXX 2015 a complaint was lodged with your agency in regards to misrepresentation of a debt I dispute and do not owe. Signature Performance Tiburon LLC was notified in Case Number : XXXX that I do not owe a debt to XXXX XXXX XXXX and that I am a Social Security recipient who is 'judgment ' proof. Signature Performance Tiburon LLC, acknowledged my request for 'cease ' communication in a response notice # : XXXX and assured me they would no longer 'harass ' me in regards to the disputed debt. On XXXX XXXX 2015 I received the same formatted letter from Signature Performance Tiburon, LLC dated XXXX XXXX 2015 referencing the same entity XXXX XXXX XXXX claiming a balance of {$20.00} dollars. Signature Performance Tiburon, LLC has left me no choice but to provide the Nebraska Attorney General 's Consumer Protection Division documentation of verification that they would no longer contact me or bother me about this issue as documented in CFPB Case Number : XXXX. Due to the response by Signature Performance Tiburon, LLC verifying their promise to leave me alone, I will be able to access monetary damages and pursue legal action against them as I will be able to prove an administrative process related to the case. Signature Performance Tiburon, LLC was sent a 'certified return receipt ' letter in reference to this matter as well. I have the actual receipt and proof of notice. It appears Signature Performance Tiburon, LLC does not believe I will pursue my civil legal rights to peaceful enjoyment of my home and phone. I can assure you I mean what I say as I have built a dossier against Signature Performance ( and XXXX XXXX XXXX ) as proof positive documentation ( and evidence ) to solidify my mission. Again, thank you CFPB for being a venue of valid documentation and evidentiary venue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Company Equifax keep reporting XXXX as a collection account with monies owed On XXXX XXXX 2015 Judge ruled against that order and I am no longer liable for collection on this account Its negative reporting has caused me to suffer change has come

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: DC
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:
I submitted an informal dispute directly to Experian XXXX and XXXX informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau s have failed to investigate this matter conduct a proper investigation into the disputed inquiries

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 2023-03-29
Company: Experian Information Solutions Inc.
State: MD
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:
My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX  balance and no longer owe money to XXXX or Dept Education.

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 2016-05-17
Company: ALLY FINANCIAL INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Item is still reporting on my credit report although my ex wife took responsibility for this debt and needs to be held responsible for it. This debt is no longer mine according my divorce, which is Missouri Case Number 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 2023-03-29
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received two collection notices from TSI ( https : //tsico.com/ ) on behalf of XXXX for one of my companies. Called them to see what they are referring to since we're usually pretty current on our shipping bills. Was told it was for two shipments back in XXXX or so. Said I'd have to verify with XXXX to confirm they were unpaid. Had a pleasant conversation with someone there who, when I asked, advised me that yes, I can still pay them directly thru XXXX ( and therefore save the agency 's 14 % fee ). 

Went to the XXXX site, called them, paid the bills in full. TSI has been calling me about the so-called 'late charge '. The thing is the XXXX doesn't have a late charge. When I called they confirmed the bills were satisfied in full. 

TSI continues to call me and say they want their money. My response is always civil ; I speak with them and explain they're not entitled to a debt processing fee since they didn't process any payment. I've told them several times I am not ever going to pay. They continue to call and are belligerent when I respond that way. 

BTW 14 %!? Really? How is that legal? How can that be a fair percentage for sending a biull and processing? It's not as if they own the debt ; XXXX still was the debt carrier. 

I'm guessing this is happening to hundreds of individuals and firms as XXXX is a large company. I have even reached out to them to make note that perhaps TSI isn't the best collection arm to align themselves with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Back in XXXX XXXX 2016 I had a series of inquiries removed from my report from Transunion . All these inquiries were reinserted back into my credit file. I never received a reinsertion letter from Transunion. I sent Transunion a Certified letter which they received XXXX/XXXX/2016 disputing these inquiries. I never received any response from Transunion. Only thing I got in the mail was a small card which stated they put a fraud alert on my credit file. By law, Transunion is required to notify me within 5 days of any reinsertions to 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 2017-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I filled Chapter XXXX bankruptcy in XX/XX/XXXX and 7 years have passed. By law you MUST remove the Credit card account from Transunion credit report. You have refused to remove the account and this is why I MUST fail a complaint. See info : Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1800.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$10000.00} Payment Status Payment Plan Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks Chapter XXXX ; wage earner plan account XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation