BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an XXXX XXXX REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXXXXXX 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 Balance Owed : XXXX  ; XXXX XXXX XXXXXXXX Balance Owed : XXXX  ; XXXX XXXXXXXX Balance Owed : XXXX  ; XXXX XXXX  XXXX Balance Owed : 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 2023-07-26
Company: EQUIFAX, INC.
State: NY
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:
It's ridiculous because I have always paid this account on time and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
A few months ago a collections account appeared on my credit file as " XXXX XXXX XXXX XXXX '' .. initially it was for {$300.00} and then it was for {$1200.00} and then it said that I paid {$600.00} of it or {$900.00} and then now it says it's 140 days past due and I have no idea what this thing is. I have sent the company a certified letter to validate the debt and has been over 30 days since they had received it yet the company still continues to negatively impact my credit file reducing it by over 100 points. originally i sent this complaint # XXXX to the cfpb who stated that they referred this to the FTC regulatror . the tracking number for the debt validation letter mailed on XX/XX/23 is XXXX the company did not respond in any way. I have disputed this directly with the 3 CRA 'S and they all said it was verified as accurate??!!!?? as of XX/XX/23 my credit report now says that not only is this account is some how magically 11 months past due but that the original balance was {$1200.00} and that i now only owe {$77.00}. this is blatant fraud it's also it's extortion as well the worst part about this whole thing is that I'm trying to go back to college and this has negatively impacted my credit so much to where I can't even get along my credit report has suffered XXXX points and now just simply removing that for my credit report isn't going to raise my credit report XXXX points and nobody is doing anything about it to help every Federal agency regulatory body and every XXXX XXXX XXXX Credit Reporting Agency it just allowed to get away with anything and I'm sick of it I disputed this with XXXX on XX/XX/23 and again on XX/XX/23 Despite the obvious inaccurate info and proof of this through the inconsistency of the reporting and the company violating FDCPA regulations no less then 3 times and the company failing to respond to a debt validation i sent 100+ days via usps certified mail The credit reporting agency states " Disputed information was verified as accurate '' This only way that they could possibly draw this conclusion is if they NEVER even looked at it and simply rubber stamped it and pushed it through

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 2022-04-21
Company: Experian Information Solutions 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 HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( EXPERIAN, XXXX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.

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 2022-04-21
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/21 I wrote a check, in the amount of {$1100.00}, to XXXX XXXX for my Mother 's room & board at their facility. The check did process through my bank, which is Comerica Bank, until XX/XX/21. Which is also the day my mother passed. Then on XXXXthe check was cashed again and processed through my bank. This caused an overdraft on my account. I notified my bank of the error. They refunded the money back to my account, and later reversed it out of my account, causing another overdraft. I called XXXX XXXX to try and resolve this issue to no avail. They claimed the didn't cash the check twice. Mind you XXXX XXXX switched accountants during this time period. I have copies of the check that was cashed twice by them through XXXX Bank. I then went to XXXX and asked them to investigate this issue. When I contacted them, after giving ample time for an investigation, I was informed that they could not give me information regarding XXXX XXXX 's account. All I wanted was for them to let me know this check was cashed twice so that I could prove to XXXX XXXX of their error & be refunded my money. I had to close our account with Comerica Bank, because of accumulated banking fees and pay these fees. My Mother has had this account before it became Comerica. I was XXXX yrs old when she opened this joint account, am now XXXX XXXX XXXX and wanted to keep my account. 

I would appreciate any help the Consumers Finance Protection Bureau can provide in resolving this matter. 

Attached are copies of Information regarding this issue. Thank you very much, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, My name is XXXX XXXX I am contacting your guys to share my extremely stressful and unpleasant experience with JPMorgan Chase Bank. XX/XX/2021 just like any other patron of the bank I deposited {$1200.00} ( plus more * can not remember exactly dollar amount ) into an ATM machine located in XXXX XXXX XXXX neighborhood. ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ) I insert the bills into the machine, I could hear the machine close and counting the money as I waited patiently. Shortly after I was issued a receipt that read To be sure your deposit went through please call XXXX. XXXX The receipt is also timed stamped, date of transaction, and a transaction number. 

The branch Manager came to assist me instantly, he noticed that the ATM had not deposited the funds and sat with me while I opened a claim over the phone with the claims department. He insured me that it would be taken care of and that his branch had 3 days to respond to the claim and preform an audit on the ATM machine is used that day. I was told it would take 24-48 hours to have a temporary credit issues to my account that never happened in fact I called in they said theres nothing they could do at the moment and insured that my situation would be taken care of bare with them for just a few more days. 

Here we are, XX/XX/2021 a week since the incident happened, I received a message from Chase stating that there was no transaction posted to my account, they could not find the money and theyve closed my case. I am in shock, stressed and unsure what to do at this point. Im unsure how they are allowed to do this to customers without any repercussions behind it. I am currently late paying rent due to this mishap, and late fees have also incurred. Arent there cameras located at the branch to prove I took the money out of my hand bag and placed it in the machine? I have so many unanswered questions. Please if theres anything you could do to have my story heard please let me know. This is completely wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.

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 2022-02-17
Company: EQUIFAX, INC.
State: OH
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. There are also a student loan on my credit and Im confused on how this is so because I dont even have a high school diploma. I am doing this on my own behalf and really need someone to help me with this.

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 2021-05-11
Company: Flagstar Bank, N.A.
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, Im not sure if you are aware about the unfair practices going on with banks and mortgage services, where their lenders are in forbearance, due to the COVID-19 pandemic. I would like to shed some light on this. 

I was on the phone with my current mortgage lender ( Flagstar ) for over an hour. Flagstar took over the original mortgage loan I had with ( XXXX ), in XXXX. Flagstars loss mitigation task force, is offering me a loan modification agreement, that would add the missed months of payments ( approx. {$28000.00} ) to my current principle. This would make my principle more than it was when the original loan was taken out to purchase my home.

Flagstar is doing a very good, creative, and in my opinion, deceiving job of making this option sound good. They are doing this to make people sign up and agree to the modification terms, which do have a lower interest rate and does lower the monthly payment, but adds a significant amount of money to the principle. Flagstar is also saying that this is the only option that the VA approved. This is a flat out lie. The VA is an insurance provider, not a bank. They dont have a say in how the lenders lend, the VA just guarantees the loan. The bank could extend the months missed to the original loan and make everything right, but the banks are looking to make an unfair amount money and they are trying to benefit from a world pandemic. 

My original loan servicer ( XXXX  ) offered me a deferment option while I missed payments from XXXX to XX/XX/2020. XXXX  informed me that I could add the missed months to the end of my mortgage agreement, but since FLAGSTAR took over my loan in XXXX, they will not uphold the same agreement. FLAGSTAR is allowing all other loans ( like FHA loans ) to add the months to the end of their mortgage, but FLAGSTAR says they can't do it on VA loans, because the VA doesn't allow it. This appears to be very coincidental timing on FLAGSTAR and XXXX XXXX  part and appears to be investment fraud, given the perimeters and financial gains FLAGSTAR will obtain due to these unfair loan modifications. 

I am very concerned that my fellow veterans are going to come to the realization that they were just mistreated / misled and agreed to something that makes them worse off. In my experience, with my fellow Vets, we dont take it so well when we feel like someone, some organization, or XXXX forbid our own government wrongs us. Veterans do the right thing for the right reasons, even when no one is watching. 

Please assist me and my fellow veterans in this matter. 

Respectfully sent, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$28000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$12000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$7900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted :XX/XX/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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2023-05-15
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:
URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to XXXX, Transunion, and XXXX, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a 30-day window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent issue.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit is taking a hit due to the negligence of this company and I need it off my credit report 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 explanation
Consumer complaint received 2023-02-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved by XXXX XXXX XXXX 18 months of Mortgage payment. 
The mortgage company havent received a mortgage payment since XX/XX/ I called XXXX XXXXXXXX XXXX explaining this incident. They opened a ticket for investigation one month ago, until now they havent called me back neither I had not have a solution from Them. 
Mortgage company : Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation