BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-01-13
Company: Midstate Collection Solutions, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in a domestic issue with my ex-boyfriend and I had lived at XXXX apartments, he beat me up and I had to call the police to save me and my son because of this I did have to move to protect my son and myself and under the " Safe Homes Act '' in Illinois they should of never put this on my credit. I had sent in all my information to dispute the account to XXXX XXXX XXXX on XX/XX/XXXX and called multiple times and they still said it was in processing they took 31 days to finally decided what to do with it and sent it to XXXX XXXX XXXX on XX/XX/XXXX and that was day XXXX. With the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to verify the information within the 30 day time period, then they must delete all of the disputed accounts from my report. The reason they said they sent my account to XXXX is because i was out of the state of Illinois but when I sent over paperwork and started calling them on XX/XX/XXXX they knew that I wasn't in the state of Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2019-06-14
Company: U.S. BANCORP
State: ME
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:
Back in XXXX of 2017 my wife and I attempted to get pre-approved for a mortgage. When we got there, my credit report came back that I owed XXXX to XXXX XXXX XXXX and was currently in collections. I have never received any notice that this account was past due or going into collections prior to attempting to get pre-approved for the mortgage. Furthermore, this was a credit card I had stopped using well over a year ago. We contacted the company and the collections agency and they sent us over a itemized list of all the purchases made. At the same time, we discovered the card was missing. 

After receiving the list I filed a fraud report, somewhere around XXXX of 2017. They told us they'd get back to us within 30 days. Months passed, and I would contact weekly asking for updates. There were a lot of purchases, so I was reassured they were going through them. In XXXX of 2017, I contacted the company and they informed me they sold my collections charge to a different company. I then contacted that company and filed another fraud report. I have called weekly since XXXX of 2017 about this fraud report and I am constantly told they are still working on it and it will just be a few more weeks. 

This issue is still not resolved, is still negatively affecting my credit score, and it does not seem to be close to resolving. It shows up on my credit score as a closed account " In Collections/Charge-off. '' The contact information I get on my credit report is as follows : XXXX XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX, MO 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 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In late XXXX someone fraudulently opened a checking account in my name at Capital One Bank. I contacted them immediately to let them know it was fraud and they assured me it was closed. 
A couple of weeks later, I received a debit card on the account. I cut it up, called them again and once again was assured the account was closed. 
Now today ( XXXX ), I received a bank statement on the account. I contacted them again and had to leave a voice mail with what I think is the same department I have spoken to twice before. 

I am not sure what I have to do to get this account closed and off of their records so I decided to file this complaint to see if you can help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Ive sent in dispute letters XX/XX/2020 to rectify my accounts with XXXX, Experian, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my accounts.

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 2023-06-19
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 am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX : {$29000.00}.

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 2020-02-26
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Lexington Law firm keeps spaming me with robocalls i talked to a a representative and asked to be put on the no call list yet i keep getting calls everyday today is XXXX  XXXX 2020 and it started on XX/XX/XXXX amd hasnot stoped id like to get to take them to court for disobeying my privacy act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Entrata Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Resident Verify conducted a background check for a housing application I submitted. They put the eviction of another person on my report which resulted in me being denied. I contacted them to request a full report. They said they would send it to my email but never did. This will now result in me having to pay for other arrangements while I get this sorted out. I am supposed to move in a few days but I am at their mercy to correct their mistake in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper made an escrow analysis and determined our escrow had a shortfall of ~ {$7000.00} ( incorrect ). We were making escrow payments of ~ {$1800.00} ( ~ {$22000.00} yearly ) which covered property tax ( ~ {$21000.00} ) and insurance ( ~ {$1000.00} ). My most recent bill came to ~ {$2400.00} escrow payment which is WAY more than what is needed to cover taxes and insurance. I contacted the support team TWICE and tried to fix the escrow estimates and provided my most recent property tax bill and insurance bill and they still wanted me to pay the full OVERESTIMATED amount or else I would be assessed a late fee. I do not trust this company anymore they made no effort to make their mistakes right.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
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 accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on 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 non-monetary relief
Consumer complaint received 2017-03-07
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have an existing first mortgage on my home with Citibank. I have an equity line of credit on my home with Citibank. Several years back when the economy took a turn for the worse and other unforeseen circumstances occurred I found it difficult to pay my obligations. I am self-employed. I have recovered and have brought each and every account current. Except for the equity line of credit with Citibank. It is not because I chose not to. I have for 5 years been trying to modify the equity line of credit with Citibank. I have documentation, correspondence and appraisals to document the last 5 years. I have never received a denial from Citibank and I have never received an approval from Citibank. I have written correspondence from Citibank they have received all the documents needed to evaluate a modification and move towards some kind of repayment. I have correspondence from Citibank that they would not move forward with a foreclosure if they received all the documents. Citibank received all documents several times, over and over again. Citibank has now moved forward with foreclosure. I have made payments through XXXX. I learned in the last quarter of XXXX that my payments were in a suspense account and not being credited to my account. I then learned that the payments I made and have been making over the years while trying to gain an approval of modification had not been applied to my account but thousands of dollars has been applied to accelerated interest. I have been assured by each of the XXXX different relationship managers who handled my account that no legal action would occur while I was in underwriting. I have all of the documentation to support my words in this communication. I have shared over and over again with Citibank how harmful this account reporting negative is for me being self employed. I have lost jobs because of their negative reporting. I have been denied or forced to pay higher interest on equipment I needed to purchase for my business. I was on the phone yesterday with my " New '' relationship manager of Citibank and today I received a phone call from a sheriff wanting to serve me with foreclosure papers from Citibank. As short as yesterday I was told I am in underwriting. This is not human. I have over XXXX feet high of documentation I have submitted, all I wanted was to get back on a repayment schedule while making payments in the meantime, only to learn none of the payments I have made were applied to my account. In summary Citibank has been taking payments for these years while I was applying for a modification for 5 years, yes 5 years never approving or denying all of my applications and now Citibank 's position is I have not made a payment since XXXX according to the papers filed. I hope and pray someone can help me and my family.

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 2020-02-26
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-19
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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 2020-10-26
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them .I don't have any access to these accounts, i have never sign the contract or agreement with them.

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 2017-03-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out this loan 15 mos ago. At first it seemed like a good deal at the time. Then I found out after I had already signed to the terms that they had duplicated my student loans more than once when they were calculating my DTI. My loan was consolidated as XXXX loan at the time and it was in deferment so when they duplicated it they added it several times as a XXXX. I 'm not sur if this was to drive up the interest rate or what. Also they reported mostly interest to the front of the loan, so paying it off was going to take longer than it would a regular loan. Lastly I paid off the loan on the XXXX of XXXX. I was told that they were going to report it paid to the credit bureau on the first and mail me back my original contact, however they have not and I have already spent money on a credit report with my mortgage company, just to have it show inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Home Loan Center, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the XXXX XXXX XXXX ( XXXX  ) Debit feature on my account despite the fact that I never authorized automatic XXXX  payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX XXXX usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic XXXX  payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This XXXX  occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic XXXX  payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an XXXX  transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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 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 2023-08-03
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXXDEPT OF ED XXXX XXXX : {$9000.00}

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