BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reported to Transunion that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX XXXX  reported to XXXX a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX XXXX   Reported to Transunion a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX XXXX reported to XXXX a balance of {$25000.00} and charged off account status. On XX/XX/XXXX XXXX reported to XXXX a balance of {$0.00}. 

When XXXX update the report to Transunion XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the Transunion Credit Report is being seen by Fico and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my Fico Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted XXXX about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with Transunion and XXXX XXXX XXXX incorrectly reporting. XXXX and XXXX  are not an issue.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Company: SYNCHRONY FINANCIAL
State: NY
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 have a problem with synchrony bank which services QVC. I made a payment for my XXXX statement ( payment due mid XXXX ) Payment was made on XX/XX/XXXX  for statement balance. {$55.00}. Next payment due was XX/XX/. I made a payment on XX/XX/XXXX  for the XX/XX/XXXX payment in the amount of {$200.00} ( statement balance ). I received the new online indicator that my payment is delinquent and I am being assessed a late fee of {$5.00} on XX/XX/. I called the company XX/XX/XXXX  around XXXX spoke with XXXX, who would not resolve and said I made the payment 3 days before the next billing cycle for XXXX so they would not apply it to the XXXX cycle. ( even though it is after the due date of the XXXX  billing which was already paid ) I asked for a supervisor. Spoke with XXXX who is based in Ohio. He would not provide last name. Spoke with him around XXXX or so. He also reiterated that they will not remove the late fee and I am reported as late to the credit bureaus even though I pre-paid for XXXX 's bill. He verbally told me the XXXX statement I was delinquent for was {$5.00} even though I made the payment on XX/XX/XXXX  for {$200.00} which was the amount their website said was the new statement balance for the XXXX statement.

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 monetary relief
Consumer complaint received 2021-06-25
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I have sent several certified letters to XXXX  Credit Reporting company asking for their verification process of Bankruptcies. I provided XXXX  with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my Lexis/Nexis account. I have received a letter from Lexus/Nexus informing me that they removed my information as well. XXXX  refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX Equifax, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called XXXX-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it from Equifax. I tried to call Equifax to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Follow-up 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 accounts 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 alleged fraud or extortion. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-05-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, yet Equifax and XXXX refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do Equifax and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018, my Mortgage Co. ( Ocwen ) bought my home in a sheriff sale. Prior to the sale, I felt 4 specific times my situation was mishandled.

Fast fwd to today, I can not reach my contact @ Owen. I was granted a modification after the sale, due to my complaint of mishandling/misinformation.

I completed the modification and now I owe {$9000.00}.

I don't even know who owns my home, if I can keep it if/when I can raise the money owing, etc. I can not seem to find any agency, after contacting @ least 4, that can help me. I am afraid of being homeless, I need answers of where I go from here.

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 2023-06-28
Company: SYNCHRONY FINANCIAL
State: CA
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:
Hi thank you for helping long story sorry. I bought a necklace thru XXXX which arrived different than the description. It came with three loose beads so I sent it back to XXXX and they said I damaged it and tried to send it back to me. Then I opened a case with PayPal credit company which is run by synchrony bank. They denied my dispute saying the seller refuse to give money back because he did not receive the item back. The item was with XXXX they tried to send it to me and they lost it in XXXX Later they found it XXXX and they ( XXXX ) had the item since. Now I dont have the item and my financial institution charged me back with the amount I purchased. Thank you so much

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 monetary relief
Consumer complaint received 2019-06-20
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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX  XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2023-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my home with Wells Fargo, I tried to ask them to help me but they refused they foreclosed on my home back in 2016.

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 2019-02-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My letter at the address in New York was stolen and all personal information was stolen. Before I complained to your committee that XXXX XXXX had been resolved, I had already called the police station for help, but now the PayPal account has been stolen, I can't speak English. So I was not using it in the last XX/XX/2018 of last year. I dont know, now Paypal has called me to confirm, I know that theft is very serious! Was owed to paypal company up to {$2200.00}! Account number : XXXX  This is not my account, and this email XXXX is not my email address at all! I hope that criminals can be brought to justice! thank you very much! XXXXPayPalXXXXPayPalPayPalXXXX

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 2018-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Starting this past XXXX a company called XXXX started charging fraudulent purchases on my Bank of America Visa card. I called BofA, got credit for the fraudulent charges and a new credit card. 

With someone at BofA, I spoke with someone at XXXX  in the XXXX at least three times. They were useless, saying that I didn't have an account with them. Indeed, that's the point. They were singularly uncommunicative about where these repeated charges came from. 

In spite of the new credit card, the same company charged more fraudulent charges on my XXXX bill. How the company got the new credit card number remains a mystery, except for XXXX claiming they have a policy of informing recurrent charging merchants the new cc number. This is insane ; the whole point of a new card is to vitiate such fraudulent charges. 

BofA also claimed to have put a block on XXXX. They've claimed this each month that we've " dealt '' with this issue. To no avail. 

But to no avail. Please see the attached set of statements from XX/XX/XXXX to XX/XX/XXXX, showing recurrent frauds every month, in spite of 5 CCs in four months ( the most recent two CCs I didn't even activate.

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 monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of EDU LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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: 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 my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts 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 accounts immediately. 

XXXXXXXX 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 2021-09-07
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: Information belongs to someone else

Complaint:
Identity theft has happened to me. As a result, someone obtains access to my personal information. My credit report contains accounts about which I am completely unaware. I'm sending my ID and identity theft report for Block and Removal of information on my consumer report, as required by 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.

Company response to consumer: Closed with explanation