BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
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: Public record information inaccurate

Complaint:
Hello Transunion, I need your immediate help. XXXX XXXX is reporting on their website that you are reporting a {$12000.00} collection from my Transunion credit report. That is inaccurate. I do not have a collection account. Please clear this issue up quickly with XXXX XXXX and all other reporting sites since this is a serious issue. 

I have attached a copy of what XXXX XXXX is reporting. The collection is highlighted. The student loans and credit card amounts are correct, but the collection is totally wrong. 

Thank you, 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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-02-09
Company: Southwest Stage Funding
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020 we made the decision to have our mortgage placed in forbearance as a result of the financial strain resulting from the Covid19 pandemic. 
I had been speaking with " XXXX '' during this time. XXXX offered another financial plan that would move the forbearance amount owed to the end of the mortgage term. During my conversations with XXXX, I understood that as long as I resumed paying our monthly mortgage payment beginning XX/XX/2020 the account would be in " good standing '' and without penalty or effect to our Credit. We were able to resume making our mortgage payments since XX/XX/2020, and have done so since. 
During this time, we suffered roof damage to our residence and became involved with the " loss draft '' department of XXXX. While waiting for the funds to be released, from Loss Draft, our contractor 's time frame for repairing our roof wax delayed. 
Recently I was reviewing my credit report and it is showing that I have negative remarks from XXXX  saying that I am 120 past due on my loan. 
I don't understand why but XXXX is not wanting to add the 5 months of forbearance to the end of the loan term and then on top of that they are ruining my credit in the process. 

We have asked for them to help us and they refuse. 
This is a FHA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This company hasn't responded to me nor fixed the lies they put on my credit report. The courts told me they dont share any information with this company nor do any business with this company so no bankruptcy and all these other lies should be on my credit report. This is deflamation of my character. I have been turned down by other companies because of these lies on my credit report. 

Delete all these lies 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: BARCLAYS BANK DELAWARE
State: MS
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:
On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX XXXX  in Delaware. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. 

In the approval process, a XXXX XXXX was pulled against XXXX Credit Bureau. 

XXXX won't remove it from my XXXX XXXX unless they're told to by someone else other than me to remove it from the credit report. 

XXXX won't send XXXX anything as well as my information is no longer in their system to even attempt to send XXXX a notification to delete the inquiry as well. 

My attempt is to get that off my credit report as it remains for 2 years and without my approval to even be there.

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 2021-07-26
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to get called for my ex husband. I have advised this company that i have no communication with my ex and that we have been divorced 17 years. They continue to call me and my daughter who is XXXX years old. They refuse to remove our numbers. My ex 's name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: ID
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:
Between XX/XX/2021 and XX/XX/2021 there are XXXX inquiries on my credit report made while mortgage comparison shopping. Per rule, this should only show as XXXX XXXXt inquiry on my report. I initiated the eventual mortgage on XX/XX/2021 ( properly shown on my report ). I tried to initiate on online dispute with Equifax to resolve this. They came back the next day saying " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' Which is true, but non-responsive to the actual issue at hand. 

I then tried a phone call directly to Equifax, and after the excessive wait on hold, was subjected to an agent unable to deviate from his script. I may as well have been speaking XXXX. He asked me to hold for a supervisor then disconnected me. 

That brings us to this complaint. Equifax needs to follow Federal law regarding mortgage shopping and remove four redundant inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXXXXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXX auto was reporting as late or behind multiple month payments. The result was a continuous reporting to the XXXX credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the XXXX credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in XXXX month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-03-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I made a previous claim because the system of thebank is not allowing me to access to my online banking. I created the user ID and password at the branch when I opened my account on XX/XX/2023, then my account was locked for security reason, I was requested to send my passport and utility bill. I sent it and that lock was removed. So I treid to access using the same credentials but didnt work, so I called custoemr service and I was informed that I need to enroll again. I tried several times but never workd. I submited a ticket and still under review XXXX. 
My pin is correct, because when I call customer service the system identify and verify me, so the pin is not the issue. Also I tried 2 different phones to received the access code and also doesnt recognize. 
I dont know what is the error. Also I contacte XXXX XXXX ( the lady who opened my account ) and she said that she cant help, once the account is opened the online banking issues are fixed by the main office.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Untimely response
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. 

The following account is not mine : XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$420.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$230.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$2600.00}, XXXX XXXX : XXXX XXXX XXXX ). Please remove it from my credit report. 
XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The Following Account Was Never Late : XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1100.00} ). Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: U.S. BANCORP
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX US Bank held a garnishment of my Social Security Disability benefits In the amount of {$920.00} for a commercial debt collector XXXX Funding. 

According to the SSA a commercial debt collector may not garnish SSDI and as of today XX/XX/XXXX, US Bank has not returned my funds to me, nor have they paid it to the creditor they withheld/garnished it for. 

Please enforce the law to have US Bank return my money to me.

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 2022-04-09
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I am complaining about Chexsystems cause I have an issue where my identity was stolen to open a fraudulent checking account. I filed an FTC affidavit and tried getting a hold of Chexsystems to see if they have a fax that I can send them the paperwork too. I have a real big emergency where I was denied membership and I was approved for an auto loan cause I had a car accident where I was declared a total loss. I have no vehicle and it is imperative that this gets resolved ASAP so I can have them re check my check systems, my social is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National recovery agency said I owed a hospital bill for XXXX XXXX hospital back XX/XX/XXXX I told them I have medicare and I always pay my cop pay l dont use they also had my wrong address and zip code for me and told me to call hospital they said to call hospital billing which I did they said that was XX/XX/XXXX and that I came buy ambulance I told billing department no I was admitted on that date but I went to XXXX XXXX XXXX on that date and they had wrong address on file I told them I dont use there hospital cause they have a one star rating they said they take care of it offered me a lower price as I stated to them it was not me the collection agency also had wrong billing information

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score 52 points and caused me to get denied for a personal loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
The property was sold in short sale via bankruptcy and we meet all criteria as agreed by court and judgement and they are still marking credit as delinquent mortgage. It has caused me harm I can not get credit or refinance my house. I am an XXXXXXXX XXXX XXXX man who has been trying to handle this sense XXXX and now my personal assistant has been on them sense XXXX when they started marking my credit again the house sold in XXXX see all docs attached.

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 2022-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023, I was contracted at my work phone by a woman who identified herself as XXXX from Professional Choice Recovery ( XXXX  ), regarding a debt I owe of about {$400.00}. I told XXXX that I would like to be sent a validation of the debt, and to call my personal cell phone - NOT my work number. She hung up on me. 

Today, on XX/XX/2023, I have still not received a validation of the debt and continue to be contacted on my work line by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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