BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the consumer was affected by covid-19 and had some financial hardship and had a late payment placed on my consumer reports by XXXX XXXX XXXXn XX/XX/XXXX. Because of the uncertainty of the given pandemic which caused me to be unempolyed I removed all of my credit cards and other accounts off of auto draft to be able to remain stable during the pandemic. I called each company including XXXX XXXX  to ask for an extension on the payments. After receiving an alert from XXXX XXXX stating that I had a missed payment I immediately call XXXX XXXX to correct the issue. After speaking with the representative they said that I called in a day after the payment was actually due which made me 30 days late. I explained the situation to XXXX XXXX and told them that I thought I called in on time and if they would please update the information. They stated that they could not because it was technically late. I then explained that I have never been late on any payment with them in 6  years since I had my account started in XXXX. They said I had to 1st bring the account current then they could " potentially '' remove the late payment. I paid them immediately that day even though I was in a financial hardship to keep my payment history in tact. After making the payment and waiting 30 days nothing changed. This is highly unreasonable considering I was affected by the pandemic financially and I explained to them what happened and how I thought I called in time along with me making a payment that day even though I really could not afford to and in 6 years of no late payments ever they refused to update this information on my credit reports. I have reached out several times over the last 11  months in an attempt to clear this matter up along with writing them a letter asking for them to remove the late payment in goodwill due to my perfect payment history with them for the last 6 years. I'm coming to the cfpb because I need help and I know that due to covid-19 that there has been exceptions and grace extended to those who were impacted by covid-19 and encountered financial hardship. Please help me resolve this issue as it is impacting my reputation, character and credit standing. I have attached a copy of the goodwill letter that was sent in to XXXX XXXX headquarters on 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 explanation
Consumer complaint received 2020-08-04
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: Was not notified of investigation status or results

Complaint:
have not received credit report within the 30 days. 
will you please help me with this and make them send them 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 2020-08-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced back on XX/XX/XXXX and have had nothing but problems with our new servicer. Lakeview Loan Servicing and the company that " writes their letters ( XXXX  ). '' At the beginning of the year we received a letter stating that we didn't have adequate coverage with our XXXX policy for our Homeowners Insurance when indeed, we did. This took several hours on the phone trying to clear this issue. ( I guess they do not have someone that is able to read and interpret the information in the said policy. ) Then on XX/XX/XXXX, we received a new letter saying we do not have hazard insurance when our property requires it ... but they would gladly purchase it for us for a " significantly more expensive '' rate. Fast forward to our mail today XX/XX/XXXX ... a second letter regarding hazard insurance. Still don't have insurance ( according to them XXXX. I have confirmation that a XXXX representative spoke with these people on XX/XX/XXXX and faxed the appropriate information to their fax number. I can only assume that this fax machine is not being tended to during these times of COVID-19. Spent 27 mins on the phone with XXXX from XXXX. 

The most recent incident was yesterday, XX/XX/XXXX. We received an Annual Escrow Account Disclosure Statement. This statements says that we owe {$2300.00} for a shortage with our escrow account. The number is inaccurate, as my husband and myself have someone who is a Senior Loan Advisor that looked over our HUD statement and noticed a clerical error. I would like this to be rectified immediately on behalf of XXXX. The amount that is added to each month statement would clear up any deficit in escrow funds. Please advise.

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 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion has this information on Personal Information wrong as of XX/XX/2017 The rest is right Address That show on this report wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX WRONG XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) ZIP CODE IS IN WASHIGTON XXXX XXXX XXXX XXXX XXXX XXXXPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALL WRONG ADDRESS NOT MY ADDRESS INFORMATION WRONG TELEPHONE # ALL CORRECT EMPLOYMENT DATA REPORTED : CORRECT AS OF THE REPORT MAIL TO ME XX/XX/2017 FILE # 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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Account status incorrect

Complaint:
I financed/purchased a vehicle thru XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I voluntarily surrendered the vehicle and it was sold at auction sometime in XX/XX/XXXX. The vehicle did not sell for as much as I had hoped and had a remaining negative balance of which I owed to XXXX. After litigation, we came to an agreement on terms/payments and I entered into a structured re-payment plan with XXXX for the remaining balance. Sometime in XXXX of XXXX, suddenly XXXX started reporting my account as a CHARGE OFF and that I had been making monthly payments of {$360.00} thru a lawyers firm directly towards my account. From a credit standpoint, it looks like I have an active CHARGE OFF on all 3-credit agency reports, and what's worse is that it looks like I'm paying {$360.00} on a monthly basis towards and account that says it was " Account charged off. {$25000.00} written off ''. Which is not true whatsoever. I've tried to contact XXXX, but since this account was involved in litigation, nobody seems to have access or ability to help me get this corrected. With XXXX reporting that this is still a CHARGE OFF and reporting an updated payment status each month against that it is causing my credit score to be reduced over 100 points on each agency. XXXX had not reported anything against this account in almost 2 years, but all of the sudden in XX/XX/XXXX they submitted and update to all the agencies and created a credit issue or problem as to what that loan actually is, and what the current status is.

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 2020-08-04
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: Old information reappears or never goes away

Complaint:
I have disputed a XXXX XXXX XXXX account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.

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 2018-04-07
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a TV from XXXX XXXX in late XX/XX/XXXX and paid for it using XXXX XXXX ( TD Bank ). When it arrived, the screen was damaged so we received an XXXX to send it back, we also ordered the same TV again. XXXX XXXX received the TV on XX/XX/XXXX which I confirmed in a phone call with XXXX XXXX. I inquired about the refund and they said it would process in 7-14 days. The charges still appeared on my XXXX XXXX ( XXXX XXXX ) account so I called XXXX XXXX again but they did not have any information because the warehouse processes the refunds and they only communicate using a computer system. I submitted a dispute for the transaction on the XXXX XXXX website on XX/XX/XXXX and followed up on XX/XX/XXXX but they could only say that the back office department was reviewing. I received multiple letters between XXXX and XXXX ( no company name or address on the letter, just Customer Service Department XXXX XXXX XXXX, XXXX, NJ XXXX ) stating they were working to resolve my claim. The last letter dated XX/XX/XXXX was actually on TD Bank letterhead ( XXXX, NJ ) and stated they are still investigating my dispute claim. I called XX/XX/XXXX after receiving another statement showing the charges had not been removed. I spoke with XXXX who said that XXXX XXXX ( XXXX XXXX ) had still not received a response from XXXX XXXX to confirm I had returned the merchandise. I asked to talk to a supervisor and XXXX was very rude and told me they couldn't refund my account because XXXX has the money and gave me some spiel about their agreement with XXXX. I expressed my frustration that it should not take this long when a simple call to XXXX would confirm the merchandise was returned. After talking to TD Bank, I called XXXX and talked to XXXX who confirmed that the TV was received XX/XX/XXXX and could not tell why the refund had not been processed. I was again told that there is no way to talk to the refund department but she would submit an escalation. This is definitely the worst experience I have had with a retailer and finance company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
3. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
6. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
9. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
12. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PLEASE HELP ME! For years I have been the victim of identity theft. For years I have been fighting with numerous creditors, collectors,  credit bureaus, the IRS, XXXX XXXX XXXX XXXX, XXXX XXXX child support, and numerous other agencies. 

I have spent numerous man hours filing id theft affidavits, police reports, Tax documents, fraud notices, calling on the phone, and anything I can think of which would help me fight off all the fraud which has been perpetrated against me and ruined my good name. I'm not kidding when I say I have spent an entire weeks worth of manhours put into this since XXXX. 

As of now, I have almost eliminated all forms of fraudulent accounts against me except for one which persists no matter what I do. On XX/XX/XXXX, Someone opened up a Discover card under my name. I don't know how they did it, but they did. I filed a fraud affidavit and a police report, and submitted it to all parties involved and the account came back as verified. HOW! I have NEVER applied for a discover account in my life. I do not have one, and I have never borrowed money from them. How can they claim this is verified? I don't know what to do anymore. I have spent the last three years trying to buy a home and I keep getting told no because these fraud accounts keep popping up. I'm tired now. I can't keep putting in this much effort just to have a company tell me they are going to hold me responsible for money I never borrowed. 

Please help me in getting Discover to remove this from my credit report. If they don't, then I will have to call a lawyer and sue them. I have already spent thousands of dollars in time and money fighting this so I will have no problem spending several more years and thousands going after Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 2022-07-27
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently called National Credit Systems to dispute the validity of this debt that has somehow appeared on my credit without my written consent pursuant to 15 USC 1681b. They said they have contacted me multiple times by phone however, being that it was during business hours I could not have answered. I finally called them back after until them leaving me a voicemail. I have not received any written letter regarding this debt that is not mine from anyone or anybody. Being said on XX/XX/XXXX I received my most recent credit report, which had a new collection account from National Credit Systems, which I did not authorize and that violates my consumer rights according to 15 USC 1692c. National Credit Systems has failed to provide me any proof of a contract that has my wet/original signature with the said owed amount to them. I called National Credit Systems yesterday and spoke with XXXX to let them know of my actions of cease and desist, deletion of the collection account from their system, report this information of deletion to the consumer reporting agencies, and a check of {$3000.00} as settlement of violations to avoid legal action by the consumer to said debt collector. Being that if a debt collector can not prove said debt by written contract between said parties they are in violation of federal law. This is a complaint in addition to the demands made yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, freedom mortgage reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX that no fees should have been assessed on the missed payments, I need XXXX XXXX to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!

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 2023-09-28
Company: Payward Ventures Inc. dba Kraken
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Company name involved. 
Kraken.Com XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX Starting in XX/XX/XXXX2023 through XX/XX/XXXX, I was involved in a cryptocurrency trading scam. I met a person via XXXX dating site. I was asked to " invest '' using a fraudulent copy of XXXX XXXX wallet. ( see below ) Kraken.comXX/XX/23- {$90000.00}XX/XX/23 - {$240000.00} XX/XX/XXXX - {$100000.00}XX/XX/23 - {$100000.00}XX/XX/23- {$90000.00} within XXXX, money was converted to crypto and transferred to the fake websites XXXX XXXX XXXX XXXX  These websites are identical and appear to be owned by a XXXX company XXXX XXXX XXXX. Once the XXXX was loaded to these websites, I was instructed to make trades which appeared to be very profitable. I started with small amounts and even withdrew ~ {$10000.00} initially to ensure my money was safe. As the transactions got higher, the profits got higher until I finally decided to withdraw at least my investment plus the amount need to cover income taxes- it was that large withdrawal that was not completed, and my account was subsequently frozen. the only contact email I have with the person I was working with is an email address, XXXX details of the transactions between the website/exchanges are in the attached documents.

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