BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-06
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:
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.

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 2020-06-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been dealing with TD Bank for over a month. It all started when XXXX XXXX XXXX sent me an e-check for {$7400.00} that belongs to my PPP loan approved by SBA. 
The funds were held due to a clerical error from XXXX ( not me ) since my name was not on the check. 
TD bank assigned an investigator, or so they say. This person never called me. 
I provided all documentation and beyond. 
Waited for hours over the phone with my local branch manager, the fraud department and customer service as well. 
TD bank said all was fixed and asked me to visit the local branch to pick up a new debit card and so I did. 
Next week the account was once again restricted. 
The bank decided to close my account, but the {$7400.00} are still in a limbo, when they should be with XXXX XXXX XXXX. 
My personal funds are being held as well. 
Nobody can tell me when I will have access to my money. 
The PPP loan funds are not in my account neither with XXXX lender bank. 
Again, this has been going on for over a month now and nobody can respond to me regarding a timaframe for me to access my money or the loan money. 
This has caused extra stress on top of the pandemia and my unemployment situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Resurgent Capital Services L.P.
State: UT
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:
LVNV Funding-XXXX  is reporting a balance on my account and is continuing to update. I have paid this account and it should no longer be showing that I have a balance. It is negatively affecting my credit and it shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I missed a payment and got 30 days past due. I Had paid off a previous loan with them so I always paid but honestly fell a little behind during the holiday but communicated this with them ... so they defaulted on my loan and is seeking a judgement and I have tried to settle this debt with them and they will not budge ... .i know other people in that office were way more delinquent but they didn't default on them ... Nor will they return phone calls.

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 2023-10-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to update my personal information as well as to investigate the inaccuracies on my Consumer report.. I sent the information on XX/XX/ certified mail. 

tracking # XXXX received XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion continues to inaccurately display innacurate employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. I also included a pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how they verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested. I have been a victim of credit fraud in past and it took me years to clean the pain from that.

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 2021-06-03
Company: SYNCHRONY FINANCIAL
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 have an auto loan with SYNCB/AMAZON, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/AMAZON and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/AMAZON with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-02
Company: First Technology Federal Credit Union
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is First Tech FCU and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified First Tech FCU and I am now getting collection notices from XXXX XXXX  XXXX on behave of First Tech FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second time that this account has been turned over to the same debt collector. Initially this account was disputed via the CFPB website and it was at that time closed by the debt collector after the complaint. I received a letter from the debt collector advising that the account was closed and that all credit reporting agencies would be advised to delete the account. 

I received notification on XXXX2021 that the account was back on my credit report again. I am disputing this as I am making payments to the original creditor for this account and can provide a payment history to validate this. I have included the letter from the debt collector that advises the account is closed, along with a screenshot of my most recent payment to the original creditor, which actually occurred on XXXX.2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: OH
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:
The credit bureaus stated my account was properly investigated but how is that possible if the account type is inaccurate, the date opened and last active are both inaccurate, date last reported is inaccurate, and also the payment status as well. I attached a file of my credit report to this complaint. This grounds for removal, they also violated my rights under..

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2020-01-21
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: Information belongs to someone else

Complaint:
Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-30
Company: Ability Recovery Services, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I noticed a collection on my credit report. When looking into it, it was unpaid medical expenses that should have been covered when I obtained healthcare from the state. It was sold to a third party debt collector. I reached out to the company who is holding the collection and asked how to show proof I have medical coverage, I provided the information needed to have it taken off the report. Six months later, it is still there. I have disputed it numerous times and it still stays on my report, preventing me from buying a home, a car, and getting credit cards to build my credit.

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 2022-07-25
Company: EQUIFAX, INC.
State: OH
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:
The credit bureaus stated my account was properly investigated but how is that possible if the account type is inaccurate, the date opened and last active are both inaccurate, date last reported is inaccurate, and also the payment status as well. I attached a file of my credit report to this complaint. This grounds for removal, they also violated my rights under..

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my accounts with USAA bank since XX/XX/2019. They have updated all bureaus still show charge off and but that is incorrect. They had agreed to change the status to " Paid and Satisfied ''. 

I need this resolved to proceed with my federal government security clearance. 

Thanks In Advance XXXX 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 2021-08-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had to tried over and over for two years to get this off of my credit is a repo now the account is saying closed when it should not of been considered a repo or closed seeing that in XX/XX/XXXX the vehicle was stolen and totaled caught fire the roof had to be cut off and the person who did it was held accountable and thrown into prison I press charges and everything it states on my credit that I didnt make a payment from XXXX I think its a like XX/XX/XXXX which is not true I paid my car payment every month Ive been till XX/XX/XXXX when the car was stolen and totaled I do not believe its fair that this is all my credit is a repo and I have done everything in my power that I can to resolve the issue bottom line is the car was stolen my insurance refused to cover it I am still going back-and-forth with them trying to figure out how I can sue them for not covering a car that I had full coverage on The company is ( XXXX XXXX XXXX ) ( bb & t dealer Financial services ) I have tried to personally contact these people for three years the last letter they sent me back was in XXXX and it was just a paper showing my payment I know where my payment stopped because the car was no longer a car it was totaled Ive done everything in my power to get this off of my credit I am begging you guys to please just take it off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
i tried to sign up for XXXX to keep track of my debts and help me reach my goals but they are blocking the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i am trying to buy a house and this information is unauthorized and incorrect

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 2018-05-09
Company: NATIONS LENDING CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have reported Nations Lending Corp of OH for discriminating against my husbands XXXX. The case number is XXXX. They have been ignoring our multiple requests for a reasonable accommodations by sending conversations by text or email, including their investigation. On XX/XX/XXXX we received two letters, post marked on XX/XX/XXXX, detailing that we were denied credit on the same day we reported them to this office ( XX/XX/XXXX ). They are dated to be sent on XX/XX/XXXX, yet are time stamped XXXX on XX/XX/XXXX by XXXX XXXX . They are backdating these denial letters to cover for their discrimination of my husbands XXXX. On his letter they do not even have his credit score on all three reports, even though he has a score on XXXX. My letter has the wrong name, XXXX XXXX, it has XXXX XXXX XXXX and my maiden name of XXXX is used on my social security number and all of my financial records ( taxes, credit card and employment ). How was a credit report done using my social security number and the wrong name? I have checked my credit multiple times and have never seen them at the numbers presented either. We had been approved prior to this and was told during our call with the customer complaint investigator that she saw no reason for our loan to be denied. I must conclude that they are violating my husbands rights and denying our loan due to his XXXX. He has rights under the Americans with XXXX XXXX to have his XXXX respected and not ignored to scam us. Trying to cover this up they have falsified credit documents. These letters are signed by a XXXX XXXX, with just a XXXX and dated for XX/XX/XXXX, even though they are printed on XX/XX/XXXX at XXXX. I feel this company is a scam.

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 2021-06-03
Company: CMRE Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Every bill I have received from XXXX was paid. No bill from XXXX for this amount was ever received nor should it exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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