BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Repeatedly called TransUnion to cancel my credit monitoring service with them ( {$17.00} monthly ). The first representative went on for 10 minutes about other products and became argumentative when I declined even the 'free continuation ' ( which XXXX **still** requires further cancellation later or it becomes a {$9.00} monthly charge ). I asked her to just process the cancellation, at which point she started rattling off facts about different products again. 

I eventually hung up and dialed again. The second representative hung up on me as soon as I mentioned cancellation. 

I eventually canceled online. This requires the following navigation : after logging in, click on 'frequently asked questions ' near the bottom of the page ; then go to the 'payment ' category, then 'How can I cancel my membership? ' This recommends calling, but also has a small link ( again, near the bottom ). After that, click to confirm three more times (! ). 

This process is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called Transunion, XXXX about putting an " Fraud identity alert '' on my credit report. All ( 3 ) has asked me to send proof of an police report for identity fraud, I did send the information over to them. Everytime I speak with an rep at the credit bureau, they will not take the hard inquiries off my credit report. I have send in the information that they needed, so now they need to take off the hard 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 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX all my inquiries where deleted. I logged back in a couple days later and my score dropped tremendously.

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 2023-04-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple Hard inquires that I do not recognize and I did NOT give authorization any of these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was with XXXX XXXX XXXX and then it was transferred to Carrington Mortgage. I have for more than five years tried to modify my loan. I received the attached letter and I sent in all the documentation requested. I had invested 25 years in my home.

I never received notice of the foreclosure and I have not heard from the mortgage company since I submitted all papers asked for by the date requested of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted EQUIFAX on numerous occasions by certified mail. It has become increasingly clear that they are being willfully negligent in rectifying my affairs regarding my consumer report. 

Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was evicted from my apartment complex due to financial hardship. My boyfriend loss his job and I was taking care of everything on a XXXX salary. I made sure I spoke to my leasing office daily to keep them abreast as to what was going on. They understood but when it came down to it they had to do what was best for the business. 
Now, Instead of me being charged for the unpaid rent that I owe and maybe a cleaning charge for not being able to clean properly due to the apartment getting locked. I am being charged fees that the debt collectors want me to pay so that the complex and themselves can make a profit off of a life time set back I had and we all have. I would like to be charged for the original amount that I owe so that I can clear the balance up and move on with my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
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, US BKPT CT XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

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 2017-08-28
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio recovery continues to call my house attempting to recover a debt, that they never say what it is .... when I question them they ignore my questions or hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Financial Corporation of America
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For months this company has continued to call. Yesterday, XX/XX/2020 the company called 30 times! 30 times! For months I have requested they remove my number from their calling list. I do not have any debt with them or any of their clients. I verified this yesterday. I asked 4 different representatives to input my telephone number and find my name. They could not, but they did express that there were PAGES and PAGES of names associated with my personal phone number. I asked to speak with a manager or  someone in their IT department because it seems that there is a glitch in their system that has linked my telephone number with hundreds of their clients. I asked them AGAIN to put me on the Do Not Call list. XXXX assured me that she spoke with her manager and I was on the DNC list. I had 5 calls while I was on the phone with her trying to get this resolved. I had to change my telephone number. The harassment and blatant refusal to remedy this problem was unacceptable and I would like an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: DRS Financial LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im requesting information on the ORIGINAL COMPANY or whoever the debt collection company is working on behalf of so I can get more information about this debt. After calling they would only tell me the name alternative rental car which Ive never used. CFPB can not find them in their database either and has forwarded my complaint to them to the FTC. I tried to settle a debt that I do not know about because its hurting me credit wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CommonBond, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I was checking rates to see if I could save money on my student loan ( which has a relatively low outstanding balance ) and was referred to Commonbond. After discussing their loan to get rates for a few minutes it became obvious that they were NOT ABLE TO COMPETE with my current rate, but I was really disappointed to hear " we don't offer our services self-employed individuals ''. I told the representative that I had all of my schedule C tax returns going back 10 years proving more than adequate income along with current proof that my income situation has not changed - in which she replied " we've chosen to not do business with self employed individuals at this time ''. I feel this is a generic move which is obvious discrimination against self employed individuals and has prompted me to NEVER attempt to do business with this bank moving forward. I advised the representative that the bank was discriminating against an entire group of individuals without basis and her manager called me shortly after. She told me they were not discriminating, but chose not to do business with self-employed. The fact is I have an 800+ credit score and an outstanding D/I ratio ( which is why commonbond couldn't compete with my current rate to begin with! ). All of this is easily documented because the IRS knows a XXXX of a lot more than Commonbank. They provided this information to me with NO FINANCIAL INFORMATION FROM ME. I believe it is important for every bank to NOT MAKE JUDGEMENT-BASED DECISIONS WHEN IT COMES TO LENDING. This is the same exact behavior that leads to denying minorities loans. What exactly is the difference between refusing my refi without any financial proof - just because I'm self-employed and refusing my refi without any financial proof because of what I look like? COMMONBOND IS A DISGUSTING BANK THAT MAKES SNAP DECISIONS WITHOUT LOOKING AT ANY NUMBERS. They should be ashamed of their policy and I'll be spreading the news that this bank discriminates regardless of how much money people actually make! Self employed people typically have to work twice as hard to pave their own way - just to get this IGNORANT response from SOME banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and negative source who is saying. And to keep responses and when it was sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is an open collection 's debt. This debt has been settled in full. The creditor informed me this debt would be reported to all XXXX credit reporting agencies and removed from my credit report. It is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: OH
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 account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


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 2022-02-22
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX account has been flagged as 150 days past due. During previous attempts to contact organization for assistance with making payments, I informed them on multiple occasions that I am experiencing a financial hardship and can not pay exactly at this time. The organization has not worked with me in any way. I have been told on multiple occasions that there is absolutely nothing they can do, and that they do not offer assistance if you are experiencing a financial hardship. My recent hardships have subsided in the last two weeks. However, my previous interactions with this organization have completely discouraged me from even attempting to resolve this with them anymore. I contacted the organization in XXXX, XXXX, and XXXX to inform of financial hardship. This organization has continued to charge me interest and fees to the point where limit has now doubled and they are demanding a payment of 400 dollars. The limit of the card in question is {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loan servicer, Shellpoint has been charging me late fees each month for several years when payments are made each month before the grace period. I have contacted them numerous times to resolve this. It has never been resolved. I 'm now reaching out to the CFPB for 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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


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 2015-12-21
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!! 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. In TransUnion 's letters dated XXXX/XXXX/16 and XXXX/XXXX/16, they state " If interested, you may also request a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' I have requested this information more than once and they will not provide it. If this does not get removed, I will file a complaint with the Federal Trade Commission. TransUnion is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX has now closed this account because they recognize they can not validate it. Obviously, TransUnion is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Debt Reported from XXXX XXXX is n't the original debt. its not the proper creditor name nor is the dates correct made by enhance recovery and they used a new date to force to collect from me. the debt is paid to date, I want a full removal of this debt because of false reporting of information to attempt to collect a debt. I want it sent to all three bureau for removal ASPAP! they are to provide all Original Documents!!!!!!!!!!! of proof of dates!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief