BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} 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 2017-11-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Company name : XXXX XXXX, AKA Care Credit Card on XXXX/XXXX/17 ; the Check from CareCredit ( medical credit card ) was returned and assessed a {$12.00} return fee. The check was completely legitimate and there was no reason to return it and not honor the check. I called the Credit card company and faxed them all the necessary paperwork to get {$400.00} credit back to my account, they agreed and put it in the notes that it was approved by accounting department ; however, when I called later they kept telling to wait and never honored they commitment to issue a new check or credit my account. I would like the {$400.00} credit and the {$12.00} return item fee back on my account.

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 2020-02-08
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently received a mortgage financed by your company. I also just received notice that my loan has been transferred. 
I am trying to have my escrow account for property taxes adjusted. I am exempt form property taxes because of my veteran status. I am trying to have my monthly payments reflect the new escrow amount. 
My current monthly payment is {$1700.00}. With the adjustment for property taxes my monthly payment will be approximately {$1600.00}. When I tried to make a payment by phone today I wanted to pay {$1600.00}. However, since there are no documentation currently that reflects my tax payments I was told that I need to pay {$1700.00}. 
I have submitted the required paperwork proving my exemption status twice. I believe in the process of the loan being transferred my documentation has not been received. I have also called several times to have this situation taken care of but, receive a different answer every time. 
I want to make my payment on time however, I only want to pay the amount that reflects what my tax escrow account due. I am asking your assistance with my position in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TransUnion will not provide information unless you pay for their service. When attempting to view my free credit report on their site, I only get routed to a unable to complete your request message on EVERY option they offer. Can not view, print, or access my score or report. Can not submit a dispute to something reported on my TransUnion credit report ( as reported by other agencies ). Ive tried multiple times, various days, different times of the day, requested help or sent email requests for help. Ive gotten no reply. The only working area on their site is the one where you can enter your payment info to purchase these reports that should be free.

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 2022-12-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : SOCIAL SECURITY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacted Transunion multiple times via phone and mail regarding unauthorized inquiries on my credit report. I have not given any company permissible purpose to check my credit. I have not be able to resolve this with Transunion, I have notified them several times that I did not apply for any products or services. By reporting these Transunion is violating the fair credit reporting act. I was able to resolve this issue with both XXXX as well as XXXX. These inquires should be removed as soon as possible due to inaccurate reporting. 

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 explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We have had a home equity account with Wells Fargo since XXXX. The 10 year period of the account is over in XXXX of XXXX. I spoke to a representative in XXXX about wanting to know what were Wells Fargo 's programs that I could possibly use to change my Home Equity account into when the 10 year period was up. I told the rep I wanted to know what all the fees and rates were. He said the only way I could get that was to sign a paper he would send me basically agreeing not to take anymore money from the home equity account. I was n't intending to take any more money from the acct so when I received the letter in the mail that clearly states " Request To Terminate Future Advances ( Home Equity Line of Credit '' and nothing else on this sheet of paper my wife and I signed it. XXXX3 weeks later we get a letter from Wells Fargo that our Home Equity Line of Credit XXXX XXXX XXXX was changed to a 15 year fixed rate mortgage at a 4.8 % rate with a monthly payment of almost {$2900.00}. We are XXXX retired and our fixed income comes no where near being able to afford this. We immediately called Wells Fargo and larged a complaint. We were told that we had agreed to a 15 year fixed rate mortgage during my conversation on the phone. I asked to hear the conversation that was supposedly recorded by them and they refused. I would never agreed to a 15 year fixed rate mortgage that I ca n't afford and the fact at the time I still had 6 months left on my Home Equity Account where I was paying {$1300.00}. Why would I agree to pay {$2900.00} rather than {$1300.00}?? 
Since that time I have had my complaint reviewed by Wells Fargo and they still insist I gave them a verbal OK to switch to a 15 Year fixed rate mortgage, WHICH I DID NOT!!!! 
I have refused to pay the new 15 year fixed rate mortgage monthly amount of {$2900.00} for the last three months, my credit rating continues to go down and no other bank will give me a loan because I am now behind on the 15 year mortgage that I was put into without my approval.

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 2022-05-22
Company: KAHRS LAW OFFICES, PA
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Didnt receive any documentation that debt was sold from XXXX XXXX to Kahrs Law office. Kahrs law office has rejected all of my attempted contact to pay my debt of $ XXXXIN FULL. Kahrs law has a 1 star rating along with many other complaints about falsely garnishing checks and never giving other debtors a chance to pay their debts because they do NOT return contact. The only option to pay debt is to leave a voicemail with an automated system with my banking information. I will absolutely NOT do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXE XXXX Sent letter and called telephonically to have this information removed and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Sent letter and called telephonically to have this information removed and no action has been taken.

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 2022-05-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am on XXXX XXXX military leave and i had to go to Mississippi for 9 months. My mortgage has been on autopay with XXXX XXXX. Apparently my loan was sold to Carrington mortgage and they have not been fun to deal with. I have been paying them 2 times per month for the full monthly mortgage payment. Yet somehow they just reported my monthly payment over 30 days past due to the major credit bureaus. I am not sure why when my loan was transferred to them that they did not keep my automatic payment. I have never had any issues paying my mortgage and i have perfect credit. I am extremely unhappy with Carrington so far. I also looke up online and read that when your mortgage is sold legally the new servicer can not report any late payments for over 60 days to ensure the payment is properly applied. They have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}

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 2023-05-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by Nissan Motor Acceptance Corporation/Infiniti Financial Services ( NMAC/IFS ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with NMAC/IFS. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that NMAC/IFS reported negatively against my credit report, which, given my payment history, I believe to be erroneous.

To further complicate matters, NMAC/IFS delayed in closing my lease account by a month, even after I had paid the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by NMAC/IFS has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial.

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: VA
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 have the right as a consumer to report In accurate information on my credit report. I have written several letters with no response from the credit bureaus, or any information has been provided on this account. 
XXXX  XXXX XXXX. account # XXXX ( 11 XXXX  XXXX XXXX ) balance amount XXXX opened XXXX XXXX is inaccurate. No account was opened with this company on the date referenced above.

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 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After submitting proof of payment to Transunion several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in XX/XX/2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 2 pair of shoes from XXXX last month both pair of shoes was supposed to be delivered a day apart one pair on XXXX and other on XXXX so on the first day I got notification that my shoes was delivered however I never gotten them so I looked at my XXXX footage and seen that they was delivered to wrong address so I contacted XXXX first whom wasnt any help then XXXX the company who delivered them I was told give it to end of business day and see if its delivered because sometimes they mark packages as delivered and havent been. However I also told them I see it was delivered to a different address still no help so I mentioned that the next day I have another delivery from same shipper and can they make note or let dried know to pay attention to address because of delivery error. However next day same thing so I called again was given sane information and told to file a dispute through XXXX in two days XXXX denied claim telling me to contact XXXX I then contacted XXXX I provided pictures and video footage of this guy delivering my pages to wrong address. They told me to dispute it through my bank however I did do that as well and I provided Chime financial with video and photos the denied my claim I asked for a denial reason when nobody contacted me for proof I provided what o had on my own they never stated if they received it or contacted me to ask anything but denied my disputes and wont provide a reason I also filed rebuttals and havent heard anything. How can I provide proof of pics and video of whats happening and still be denied I couldnt go outside to get or check for packages I had just been released from hospital after having XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX Im home alone during the day my husband went and asked neighbors after getting home in evening and they denied seeing packages. Why was my dispute denied, why wasnt a provisional credit ever issued, why nobody ever contacted me on it and why wasnt I given a response for denial?

Company response to consumer: Closed with explanation