BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We called for help during covid 19 sps servicing kept telling us to apply for their covid Assistance online. During the pandemic my employer had to reduce my hours, cut my pay and then finally had to lay me off due to covid 19. Every time I would call sps they would Refers back to their Covid relief online service which basically was there for Forbearance. I asked multiple customer service agents how does this forbearance work they would tell me that at the end of the forbearance SPs Will be having repayment plans, Unbeknownst To us thats not whats happening to us. We filled out SPs final forms stating that we were able to pay our regular payment now and that the Forbearance amount we needed a payment plan for. We received nothing but denials for repayments options and we are facing foreclosure now. I feel like I was set up like a bait and switch Scheme. We were just in an pandemic. I have documentation form my previous employer of them needing to cut my hours, pay and a lay off letter all stating that this was the effect of covid 19. I also have my award letter for unemployment, which I was told I didnt need to send in to SPS because Im no longer on unemployment and have now found new employment. So there for I wouldnt qualify for one of their Home retention programs because Im not currently on unemployment. Which to me make no Sense because the government has dropped covid 19 unemployment and many people were forced back to work. I need help in this matter. It seems like SPS gave false information out during the pandemic which is going to lead to millions on people losing their homes including myself all because of a pandemic and the forced stay at home orders .Ultimately SPS not Disclosing all the facts up front and just stating there was going to be a repayment plan. Another concerning factor is that they arent taking new/ current income in to factor and dont ask for and Documentation that I was impacted by covid 19, yet say I dont qualify for repayment plans because of The delinquency of the forbearance. Well of coarse thats the whole purpose of the repayment plans, to fix the delinquent forbearance .Seems very odd to me. Im sending in an Appeal to SPS today. We also keep receiving letters to call SPS that they have options but yet when we call theres no home retention options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX 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

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 2023-01-23
Company: EQUIFAX, INC.
State: WY
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 been attempting to get an Equifax Credit report for 6 Months. At first I was being told that there are Discrepancies in my personal Information so I filled a dispute with updated information through the mail. I heard nothing back for 1 month so I called consumer care again to check the status. They claimed to have never received the letter to I again mailed another copy of the same letter in XXXX. Again after a couple months no correspondence had happened. The 1st week of XXXX I Faxed a copy of the same letter instead of mailing it. After a week I called to get an Update and make sure they received the documentation. They pulled it up confirming they got the Fax and then claimed that I did not have a credit file with them and that my lender likely wasn't sending them batch reports with my Tradelines. Also that they mailed a letter to me XXXX XXXX in response to said letter, which I have not received two weeks later.. I continued to call my lender and they assured me that they send the same batch report to ALL 3 of the main Credit Bureaus. Both myself and my Lender reached back out to Equifax to find out why they weren't reporting my tradelines when they were being sent to them for the last 9 months. Upon doing so both our attempts were thwarted once again with Equifax Consumer Care Agents refusing to help find a solution to resolve the problem at hand by simply stating that my Lender isn't sending them anything. My Lender then put together a letter of their own with the Errors they got when trying to pull an Equifax Credit Report for me along with a copy of the same letter i had been sending Equifax for the past couple of months. They continue to take zero responsibility for the problem being on their end and continue to blame my Lender. When I first encountered an issue trying to get a home loan in XXXX of XXXX  the bank said that another persons name to whom I have no affiliation popped up in the Social Security Field. However, this bit of information Equifax has also not said a word about. Equifax continues to deflect this matter and are extremely unhelpful in investigating what has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: AMERICAN PACIFIC MORTGAGE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Work for 5 months with loan officer to get a Bank statement loan. I was quoted 7 to  7.5 % interest, high for this market but I am self employed. I was told she would wait to lock in a lower than 7 % as there would be some better deals around XX/XX/XXXX.The lenders final interest rate on the final disclosure was 8 % I was told due to a credit line from XXXX that stated last reported XXXX which upon my own investigation is a typo on the XXXX report . I closed my loan and while signing the papers, was told I was buying down the rate from 8.25 % to 8 % for {$750.00}. I was never told in any disclosure or even verbally anything about a 8.25 % rate. I, the title agent and my realtor were shocked. I had to close today as the seller was also in contract on another home and moving to XXXX tomorrow. This hole deal felt wrong, but I needed to complete it as time ran out to pursue other avenues. I feel I was baited and switched and completely taken advantage of by this Mortgage company. Please help us to make sure this doesn't happen to anyone else. 
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 2023-12-21
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 Reported to bank 's fraud department that a fraudulent check was deposited to my account. Asked bank representative to freeze account and close debit card. 
XX/XX/23 XXXX direct deposit {$350.00} taken by bank to offset fees XX/XX/23 Received bank letter indicating deposited item being returned as fictitious item XX/XX/23 Received bank letter indicating investigation closed XX/XX/23 Letter received from bank indicating account closure. 
XX/XX/23 social security XXXX benefits received by bank verified by trace # provided by social security XX/XX/23 Went to bank to pay any fees and close account. Representative indicated account closed, social security XXXX returned to them as they could not post it as account was closed. 
XX/XX/23 called bank advising social security treasury did not receive funds back. Upon bank visit, learned social security posted for {$2400.00}. Bank took {$520.00} for fees and overdrafts was told by associate I could withdrawl {$1900.00}. Visited bank, informed account frozen for XXXX business days. Bank would not unfreeze social security XXXX even after all fees and negative balance was taken care of. Told I could possibly get funds on XX/XX/23. Asked bank how they could freeze federal XXXX funds, was told they can do what they want. Advised by associates to leave bank as it was closing time. 
Because funds were frozen, cable and cell phone turned off. Landlord started eviction process.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope you can help me! I sent a letter to the credit bureaus on XX/XX/2023 and haven't gotten a response i would like a reinvestigation! It's still incorrect information on my report! My understanding is 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. I will list the accounts below! 


1. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : XXXX Please investigate and delete from 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried contacting XXXX XXXX XXXX & the original creditor XXXX XXXX XXXX about account XXXX multiple times. The original creditor literally had XXXX XXXX of my information & the debt collector XXXX XXXX XXXX I have proof my identity was stolen I have police report & affidavit from months prior nobody is trying to help just asking me to make a payment on an account thats not mines. The account has been deleted from my XXXX report as of last week, it was also removed from my transuion report but re added the next day to closed accounts & unpaid & XXXX still remains on my XXXX report. This is harmful to my health and a defamation of my character. 



This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC. 





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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 2022-06-01
Company: EQUIFAX, INC.
State: CA
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:
For over 5 years now I have been disputing items on my credit report one is XXXX  XXXX XXXX on all XXXX bureaus and XXXX  on equifax and XXXX they both were removed because of fraud but after 5 months showed up again which is illegal for them to keep reporting a fraud account they say it will be removed now in 30 days and absolutely do nothing about it.And now due to a mixup on there end I have some type of collection reporting which has nothing to do with me on all XXXX bureaus it is sunrise collection agency and that is fraud as well.Sent them all the documents requested they remove it and after a few months report it again and XXXX has been charging me for the past 4 months and it keeps saying I cant check my XXXX or equifax because someone elses information has been mixed with my credit file but yet charge me XXXX every month for services I cant use and when I call them they say they will issue refund but nothing happens I would greatly appreciate it if you can assist me in this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2018-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) account # 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

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 2022-12-24
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: Information belongs to someone else

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent a letter out on XXXX XXXX  to XXXX, Transunion, and XXXX. 

Here are the following tracking numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor : 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