BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.

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 2023-08-12
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:
On XX/XX/2023 XXXX, XXXX, and TransUnion were all sent Factual dispute letters. Since that time no correction has been made.

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 2022-12-30
Company: Upgrade, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The Upgrade Card is personal line of credit that works like a credit card. The company guarantees that customers will never be held responsible for fraudulent charges. I reported fraudulent activity to XXXX on XXXX separate occasions. The first occasion was around XXXX XXXX XXXX for multiple transactions in the amount of {$490.00}. The second occasion was for fraudulent activity on XX/XX/, for multiple transactions in the amount of {$1200.00}. I gave the company my statement several times on the circumstances surrounding me losing my card. I even went to file a police report on the fraud on XXXX XXXX XXXX. I am not responsible for this fraud, yet the company is still holding me responsible. I need the governments help to get this money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am almost done with my home mortgage with Nationstar dba Mr. Cooper. My XXXX statement showed an outstanding balance of {$390.00} due XX/XX/XXXX. I immediately sent them a check for the full amount which they cashed XX/XX/20 ( plenty of time before the due date ). Shortly thereafter I received in the mail a check from Nationstar for {$390.00} with no explanation and continued to receive emails that my payment was due. I wrote them a letter on XX/XX/20, including their uncashed check and copies of my correspondence via their secure message center on their website, and my payment history showing their receipt of my payment. 
I have not received any response from Nationstar other than generic replies each time I send them correspondence that they've received it, will check into it and get back with me. 
Well today I received a XXXX statement due XX/XX/XXXX in the amount of {$2500.00} with a {$100.00} late fee. I am XXXX years old and feel they're trying to scam me. Please help. 
I've received emails that state they will charge {$19.00} for phone calls and the calls I've made to them have been very unhelpful as the operator was not knowledgeable and gave misinformation. 
I will attach both the XXXX and XXXX statements and the payment history from their website. 
Thank you, kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: BARCLAYS BANK DELAWARE
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Dear sir or madam, please forward my request to : Barclays Online Banking : to complete my XXXX XXXX payment as submitted on XXXX for two tranches of {$45000.00} on XXXX XXXX XXXX and {$36000.00} on XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX as I submitted them on : XXXX : and on Student Finance XXXX through the facility of my username XXXX and another sum of : {$990.00} : again on XXXX on : XXXX XXXX : for my XXXX, XXXX XXXX, XXXX for my XXXX exam and as such my Barclays Online Banking application # XXXX through the facility of my name XXXX XXXX XXXX should be credited also with the payment of {$990.00} as I requested as well as the payment of a total sum of {$90000.00} for my XXXX XXXX in 2023 and as such my payments would be deducted from my {$100000.00} on application XXXX on Barclays Online Banking and my other sum of {$300000.00} could thus be transferred to my : Barclays Online Banking : account XXXX : through the facility of my name XXXX XXXX XXXX XXXX that the {$300000.00} would reflect on my Online CDs relative to my accoount XXXX on my name XXXX XXXX XXXX and on my next statement on XXXX XXXX Banking account XXXX through the facility of my name XXXX XXXX XXXX XXXX SSN # XXXX and on my statements on XXXX XXXX XXXX and 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 2018-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my usaa XXXX XXXX card off a month ago. They show and say my balance is XXXX, however usaa has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX  XXXX XXXX XXXX  Balance : {$460.00} XXXX, XXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00}

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 2019-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
Removing a 30 day late recorded in XX/XX/16 and removing a 60 day late recorded in XX/XX/16. 

I had opened up a secure credit card and began using it to help build my credit rating. I was told to use it and then pay it off every month to maximize my score. I had maintained a {$0.00} balance for almost two years on this credit card. One day I was notified that I had an outstanding balance and that it hadnt been paid for 2 months. I called to inquire about this outstanding balance because I had always paid it to {$0.00}. I was given no answers on what the charge was for and had my credit significantly lowered as a result of this mistake. 

I am unable to get anyone to provide details on why these late payments were recorded on my credit profile. This is severely impacting my credit score and prohibiting me from securing financing on a home 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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/2008 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00}

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 2019-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed an increase on my loan amount from XX/XX/XXXX for over XXXX, with Fifth third bank. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/XXXX I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how Fifth third bank has handled this issue. These information appeared 2 weeks ago because on XXXX, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional loan with PMI at flagstar bank, the principal is under 78 % the value of the home, and I requested the PMI be removed. They didn't respond to my first request so I made a second request and they demanded I pay them {$150.00} for a new home valuation. However when I got the loan I was informed the PMI would be removed once the principal was under 80 %.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm writing to request your prompt attention to the inaccurate information on my credit file because it is seriously harming my creditworthiness. It is unacceptable that, despite my prior efforts to have the issue resolved with the creditors as well as the credit bureaus, the false information is still being reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$27.00}. I've listed the precise accounts that need to be corrected, and I demand that you look into them carefully and take all required steps to have them fixed as soon as possible. As a credit reporting organization, it is your duty to make sure that my credit file is updated and accurate, and I won't stand for any further inaction or carelessness on your part.

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 2022-04-12
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I completed a application for XXXX XXXX to Fed Loan Servicing. I was able to input all of the required information ; but when I pushed the submit button it would give an error message saying that " we're unable to take your borrower defense request right now. We're working to fix the issue. Please come back later to submit. We aploogize for the inconvenience ''. I have tried at least 50 times on different occasions ( XX/XX/XXXX to present ) to submit the application on different devices ( phone, tablet, and computer ) and browsers ( XXXX XXXX  XXXX ) yet I still get the exact same error message when I push submit on either device. There is a extreme flaw on the studentaid.gov website that is not allowing applications to be submitted. It is affecting the integrity of the fed loan servicing/ student aid borrower defense application submission/ process. With over XXXX XXXX students that utilize student aid through fed loan servicing and its affiliates ; the flaw on the website is a tactic that is being used by fed loan servicing to prevent students from having a fair opportunity to apply for borrower defense and receive a resolution in a timely manner. Its a ploy to frustrate students and have them give up on gaining a resolution that they are advertised to have as an option regarding addressing issues and violations that students experience and advertised for students to have access to. I have called and no manager or staff at federal student aid has been able to fix the issue with the borrower defense application submit button on the federal student aid website. I also read online on reddit ; posts from students in other states that have the exact same issue when trying to submit an application for borrower defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are working on a short sale of the home. SPS has told us numerous times by telephone and in writing that they would have a response to us on or before XXXX XXXX, XXXX. To date, they have not responded, and sent a later letter that they claim was dated XXXX XXXX, XXXX, giving them an additional fifteen ( 15 ) " business days '' to respond, however, nobody has received that letter - though SPS sends several collection letters to the borrower 's house each day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting 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 convengent account # XXXX and # 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