BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX XXXX Account Number : 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 2017-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Tried to consign a student loan for my daughter on  XXXX / XXXX /  XXXX   at  XXXX  and I was denied due to   XXXX   Report which said my SS was deceased.       XXXX   informed me t hat Citizens bank is the lender who said I was decided. Spoke to several representatives at citizens bank and it will not be repaired much sooner than 30days. A grievance was filed by the bank employee. This dealing w citizens bank  occurred on  XXXX / XXXX /  XXXX  . I am the only ci- borrower who can coding my daughters loan and there is a  XXXX  dollar late fee!! Tuition was due upon remittance which is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-10-21
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served a small claims complaint from Midwest Credit collection Services in XXXXXXXX XXXX for XXXXXXXX XXXX to XXXX XXXX XXXX. However, all of the debts individually are for different providers within the XXXX XXXX XXXX XXXX. Each of the bills are all under {$500.00}. I was under the impression that you could not be sued for the medical debt under {$500.00} due to the 2023 medical bill act that was passed. What this collection agency has done is combined multiple debts into one lawsuit and filed a complaint against me. Some of the bills are a small {$33.00}. There are no medical bills attached to this complaint, so I have no information to confirm debts owed -is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the successor. PennyMac stated that the old borrower died. PennyMac has chosen to have a sale date instead of canceling the sale to allow me to undergo loss mitigation. PennyMac has also confused me with what it is requesting on the payoff. It is asking for fees it can't charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, XXXX, and Transunion, have 30 days to respond to my dispute This is a violation of my rights.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights under the Fair Credit Reporting Act.

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 2023-10-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Our online account was hacked and they wiped out our checking and savings accounts- {$160000.00}. Since it was wire transfers and I had to give them a code, Wells Fargo closed the case and will not give us back anything. It started by hacking Wells Fargo and getting in our and knowing all our information. They went through transactions because they were in my account, they called from Wells Fargo numbers, they sent text like Wells Fargo. This has been a HUGE life changing loss and Im looking for anyone to help. I was in a Wells Fargo branch Worthing 45 minutes of 2 of the transfers and they couldnt figure out how to login and stop the transfers. They did not communicate during the process and basically told us tough luck. Its been a horrible experience and Im looking to see if anyone can help.

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 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX credit card with Capital one. I made XXXX payments to Capital one which were to a closed capital one account instead of the new account before the problem was caught. I have resolved this multiple times with Capital one with bank statements and i have taken two days off work to go to my bank ( XXXX ) to sit and go through all the money transactions with both XXXX and Capital One. However i keep receiving mailings that this issue is not resolved and the money keeps getting debted out of my account. My bank is frustrated as they have provided all the information to capital via whatever secret backdoor numbers they communicate with while i sat and listened to the entire conversation. This transaction was just reversed again and i am at a loss of where to get this resolved. One payment was {$500.00} and another was {$1500.00}. I have an XXXX XXXX XXXX because i pay my bills but this problem is not getting resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX ( XXXX ) XXXX The above charge account was revolving charge account and was never late in payment. The merchant have reported 60 days past due to all 3 credit bureaus ( XXXX, XXXX, TRANSUNION ) and I have requested merchant and all 3 bureaus to remove as it is inaccurate. Neither merchant nor Credit Bureaus were able to provide any proof of late payment neither remove this from my credit report. I sincerely urge CFPB to instruct XXXX, XXXX XXXX TRANSUNION to remove this from their reports. Hope CFPB will assist in this matter as it's violating my consumer rights. 

Thanks, 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 2017-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since  XX/XX/XXXX  I have been trying to fix this approval letter I need   XXXX   XXXX   to be REMOVED and KEEP   XXXX   XXXX   XXXX    AND   XXXX   XXXX   XXXX   XXXX   XXXX  . I have been requesting this several times and everytime I call they say it is ready and I get the old letter. Please have a supervisor look at this. The buyer is refuse with me and the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Resurgent Capital Services L.P.
State: LA
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:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
I filed for bankruptcy from   XXXX   to  XXXX . The credit card Amazon through Synchrony bank was placed in the chapter  XXXX  bankruptcy. I sent full payment of   XXXX   to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss   XXXX   XXXX   and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy.
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I contacted Synchrony bank several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.

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 2017-07-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with   XXXX   and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of america illegally opened an account in my name. I was a victim of identity theft from a large scale corporation. There was no way the account could have been opened other than the bank because none of the proper email authorizations were made by 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.

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 2017-07-17
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was scheduled to close on Thursday,  XX/XX/XXXX . On Monday,  XX/XX/XXXX  Keybank got word that I had opened up a new line of credit. I was told ( I believe by the next day ) to simply close this account and to provide the letter stating that I had done so. Of course it typically takes a few days to receive this documentation so a new extension was created through  XX/XX/XXXX  or before and my file was being sent back to clearing conditions. On XX/XX/XXXX  my agent got word back that Keybank was trying to deny my loan because there was some paper work that was missing which I do n't understand because we had literally just had a date, time and place scheduled for closing. She was told that something had went wrong with the loan number in the system and that Keybank would possibly have to begin a whole new application and go through the underwriting process all over again. The issue is that because of several extensions prior to this, the seller which is a bank is not willing to extend our deal past  XX/XX/XXXX . I feel like no one is giving me or my agent clear answers as to what is going on and I feel like there is foul play going on. It sounds like I 'm suffering because of the bank 's " error '' and that is totally unfair. I run a business out of my home and you have no idea how this has impacted me. Not to mention I put up {$2100.00} earnest money that I can not just afford to throw away. No one is calling back explaining whether or not we can meet this deadline or what happened exactly and it is very frustrating.The entire process has not been pleasant. If it is an error on Keybank 's part I feel like they need to provide a letter or something that persuades the seller to allow them the time to correct their mistake. I 've done my part as a buyer and should n't have to suffer for it. There is no reason why I should n't be able to move into this home.

Company response to consumer: Closed with explanation