BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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:
This complaint seeks to have XXXX XXXX and TransUnion identify why is there a report of a 30 day late reporting to TransUnion on an account that was paid and closed in XX/XX/XXXX with XXXX XXXX. I've tried to bring this to the attention of XXXX  supervisor ( who I was told was on the phone and then at lunch and he would return my call but never did ). I continued to make calls attempting to rectify this issue, using all my time and energy for this egregious error that caused an 18 point decrease in my credit score. I brought this to the attention of XXXX and they deny they reported this ( although I disputed the 30, 60, 120 day late they did report back in XX/XX/XXXX and again in XX/XX/XXXX ). I was told by TransUnion supervisor that it was the creditor that report these items. I am back and forth between TransUnion and XXXX and both are saying it was not them it was the other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage has been paid in full but it's still reporting on my credit report opened and reporting a balance and it's affecting my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is for citicards, my Citibank credit card. 

I disputed a credit card charge with a merchant who offered a refund on my deposit, then struggled to electronically do the deposit. I gave the merchant a few days then opened a dispute. A week later, the refund showed up on my credit card balance, so I withdrew the dispute. Meanwhile, citi took my withdrawal as a reason to double charge me for the deposit. I now have the initial refund, the initial payment, and another charge created by citibank called " Reverse [ Merchant Name ] '' Rather than closing the dispute, they decided to create an entire new charge and send the merchant the money. I didn't catch this until now, several weeks later. 
The amount is {$1500.00} and I have screenshots of my account.

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 2023-06-24
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: Account status incorrect

Complaint:
I have to them to send me the original contract with my signature they still havent deleted it off my credit report

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 2023-05-11
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by the credit bureaus in XXXX, that Source Receivables Management placed a collection on my account. My report, says the collection was opened in XXXX of XXXX. I never received a letter from this agency saying my account will go into collections! That's a violation and I'm willing to take action. If I received the letter I would have disputed these false charges. This agency says this has been in the collection for over a year with payments made and that's a lie. I have not once made any payments. This company has failed to furnish any proof of charges such as an itemized bill to show me exactly where the charges are coming from. XXXX does not allow you to port out your phone number unless your account is in good standing. ( please review the company 's policy ). XXXX also refunded me multiple times due to issues on their end. Any charges on that account do not belong to me and XXXX needs to go over that account AGAIN! Through certification, I will be sending Source Receivables Management a debt validation letter that needs to be returned within 30 days. I need itemized bills and proof a letter was sent out and that I received the letter. I have not received any letter! This agency also claimed I made a payment to the collection agency and that claim is false! I've asked XXXX for proof of charges and they have yet to send me an itemized bill. Showing an amount is not proof of charges and does not verify any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First let me say its nice to know that at least XXXX of the XXXX CRAs XXXX still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with TransUnion and XXXXThey continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX Trans XXXX XXXX XXXX. Only XXXX complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by TransUnion and XXXX that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike XXXX a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX Trans # XXXX XXXX. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.

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 2023-03-27
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax Hello XXXX I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I made a Bank of America ATM deposit of a XXXX XXXX check in the amount of {$1500.00} on XX/XX/XXXX. XXXX XXXX cleard/paid the check in the full amount on XX/XX/XXXX. Bank of America refuses to release the hold or make any effort to help me expedite or resolve this issue. Furthermore, they will not make funds available until XX/XX/XXXX. I have accured NSF fees because of this poor decision.

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 monetary relief
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I was not notified of any findings or validation that I own this debt. I have sent numerous letters requesting validation of their findings. Never received any notice.

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 2023-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have a third party authorized with the lender that is helping me complete the paperwork and help with the foreclosure. The third party called in requesting information about the mortgage and the customer service rep stated that I called in and limited the third party 's access to the information provided. I never called them since my third party was authorized and they did not allow him to get any loan information. The lender lied saying that I called in limiting my third party 's access to information. I also requested my third party to call them to see what options we have to delay the auction so that we can gather the funds to pay them back. The lender did not provide any options and stated that the auction can not be delayed even if we are attempting to make things current with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. 

They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.

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 2023-01-27
Company: EQUIFAX, INC.
State: GA
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 XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Issue with income share agreement
Sub-issue: Billing or statement issues

Complaint:
The issue i am having is my loan was for XXXX for my daughters loan and now after Mr Biden started my payments back up the loan is now XXXX becuase of me going throw a divorce and navient said I could do forbearance and not get I trouble i have been paying minimum payment for q3 years now well here I am in trouble please help me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account Number : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ironically I opened a credit building account with Bank of America in mid 2008 by them receiving a deposit from my account. Upon successfully completing the program before the end of the same year my deposit was to be returned to me. Bank of America claims that it did return my deposit by mail but to date I have not received said monies. I tried then to have the matter settled but they refused to accept responsibility for my deposit. Bank of America was and is unable to provide confirmation that the cheque was ever mailed, there was no registered slip, no return receipt.

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 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I got a new Capital One Venture credit card and thought I set up the auto-payment. But it does not pay and I was charged late fee and interest after the due day XX/XX/2019. When I found out I haven't paid, I immediately paid the full amount on XX/XX/2019. By the way, the Capital One don't send any reminder to let you know you have not paid. But on XX/XX/2019, I found out that I was charged interest again for {$73.00}. But I paid full balance amount before due day this time. I contact the customer service and they told me the they will charge interest for two consecutive months and then it will stop. It's the company 's policy. I don't think I should pay for the interest {$73.00} because I paid off all my balance before due date and there is not amount to be charged for interest.

Company response to consumer: Closed with explanation