BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX is on my Transunion Credit Report. The collection agency stated the account is from XXXX in Georgia. The account was created in Georgia at a address in Georgia in XX/XX/2014. The statute of limitations on accounts in Georgia is 4 years unless it is a mortgage it is typically 6 years. I have disputed this account several times with Transunion to no success, because they state XXXX states the account is accurate. I contacted both XXXX XXXX XXXX today and afterwards XXXX XXXX XXXX  at the XXXX Corporate Headquarters. XXXX attempted to negotiate balance of {$190.00} however they have it reported inaccurately on my Transunion credit report as {$190.00}. XXXX Representative, XXXX offered a settlement of {$120.00} and I refused because she couldn't give me a breakdown of the fees and I don't even remember the address in Georgia, because the account is so old, but I did live in Georgia in XX/XX/XXXX. I hung up and called XXXX back and spoke with a rep, XXXX asking why is the account on my credit report if the statute of limitations for a residential utility bill in Georgia is 4 years. The rep stated that XXXX put the account in dispute for XXXX to further review. I called XXXX Corporate  and because the account is so old and written off nobody could tell me what I owed. Per the rep at XXXX my account was sold to XXXX and they were not able to give me a breakdown only saying that he heard the statue of limitations in Georgia for debt is 4 years and 6 years for mortgage loans. I called Transunion and the re gave me a hard time telling me that on any account with Transunion the statute of limitations on every account is 7 years. I told him he was giving false information because the statute of limitations vary from state to state in which the account was created. I told the rep if he ever said such information to a California consumer Transunion would be sued because I know that they are strict on credit bureaus giving false information to their consumers. I asked for a supervisor because of the rep providing me with false information and the supervisor took over my call. Per the Transunion supervisor he would dispute it again but this time in reference to statute of limitations. I am not being treated fairly by Transunion when it comes to making sure items are removed accordingly and that my credit report remains accurate.

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 2018-12-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I sent the check to pay the Mortgage for XXXX. The check was cashed on XX/XX/XXXX and Bayview Loan servicing sent me a letter and say that the check was Bad check reversal. I called the company XX/XX/XXXX and they told me I need to send the bank statement and a letter to explain what happened. On the XXXX I sent a fax two times. Two days after, I spoke with a representative named XXXX and she told me they didn't receive the fax. I sent the fax again in XX/XX/XXXX and I called on XX/XX/XXXX and the representative XXXX told me it takes 2-3 days to appear on the system. I also asked the best way to fix it as soon as possible and he told me email. I sent the email on that day XX/XX/XXXX and I called the XXXX and they said nothing appears in the system. 
This account is under my name and my brothers name and we sent check from his account, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX reported a 30-day late payment to the credit bureaus on XX/XX/2022 for the month of XX/XX/2022. I filed this complaint because the XXXX payment should Not have been reported late. 

Its been my experience in the past with XXXX and other creditors that if the past due payment is received no later than the following/next month 's due date, the payment is Not reported late. 

I have attached a copy of the transaction history for the last 5 months of XXXX 

You will notice that the XXXX payment was paid on XX/XX/XXXX, and it was not reported late, and therefore, the XXXX payment which was paid on XX/XX/XXXX should not have been reported late either. There are more days between XX/XX/XXXX and XX/XX/XXXX than there are between XX/XX/XXXX and XX/XX/XXXX. So since XXXX was not reported late, XXXX should not have been reported late either. 

I am thankful I was able to pay both XXXX payment and XXXX payment and all fees ( {$2500.00} ) on the XX/XX/XXXX due date, so XXXX should NOT have been reported late. I worked very hard to meet this deadline and accomplish this, and it should not be taken away from me. This is NOT right! I owed additional fees when I paid XXXX on XX/XX/XXXX, and it was not reported late. I was able to pay all fees and bring the account current on XX/XX/XXXX, including XXXX 's payment, so XXXX really should not have been reported late. 

As I said before, this is not just with XXXX. All my other creditors do not report the past-due payment late if it is paid by the next months due date, and no later. XXXX should be no different.

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 2019-04-11
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My house is in legal status and my mortgage company wants to reinstate my loan for {$5000.00} and then continue monthly payments and I dont have a way to get {$5000.00} and i was wanting to start making my monthly payments and have vanderbilt consider a balloon payment to help save my home

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-07-24
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 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 2021-07-20
Company: Conn's, 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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On Tuesday XX/XX/2018. I received a credit alert notification that XXXX requested my credit report information from Transunion in Washington. Since they were closed on XXXX XXXX, I called Transunion on XX/XX/XXXX to dispute but they told me I could not dispute the inquiry, I had to contact XXXX to request a letter to delete the inquiry off my credit report. I then called XXXX and they stated that they would not produce a letter of deletion. I was then provided this website to submit a complete because my information was pulled without my consent and my ID and credit cards were stolen on XX/XX/2018. Now I have no idea how to get the inquiry off of my credit.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried to fix this problem on multiple occasions. It seems nearly impossible to get any assistance from XXXX on the matter considering I can not get a real person on the phone. I have called the other agencies but they still havent taken everything off, I have filed a complaint about fraudulent information be reported on my consumer credit report and it seems that some of it is still on my report.I would like the following items removed from my consumer credit report... 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 hard inquiries that was supposed to be erased as well... 

XXXX XXXX XXXX Also, I have never given any permission to report late payments for this account and this account has been charged off as of XXXX of XXXX. 

This is a violation according to 18 USC 1681a section 2

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 2023-08-30
Company: Upgrade, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously filed a complaint about inaccurate credit report on my XXXX report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXXXXXX Account # XXXX XXXX days past due for XX/XX/2023, XX/XX/2023 and XXXX days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected 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 2020-02-17
Company: National Recovery Solutions, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This company has failed to respond again. I previously filed a CFPB complaint advising this company failed to produce validation documents. I received a response through this portal and then I received a letter via XXXX from the parent company advising they take my complaint seriously and will receive the requested validation documents within 30 days. As of today, I have not received any validation documents, no phone calls or no other letters indicating that I will be receiving my documents soon. As this point, I have lost patience with trying to resolve my account. I have hired a lawyer and in the process of filing a lawsuit against the company for failing to provide validation documents within a certain time frame. This company has not reached out to my job to complete an employment verification and again I have not received any validation documents. Any future correspondence will need to be sent to my attorney. I am requesting that this company, NRS, CEASE & DESIST ALL COMMUNICATION!! No letters and no calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Lending Club Corp
State: RI
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:
In XX/XX/2020, we deferred payment for one month per the Covid rules of our loan company Lending Club LLC. They incorrectly reported the account as 30 days late. When we informed them the my corrected it. 30 days later, they again reported the XX/XX/2020 account as last due. We again informed them and they corrected it. This has happened every 60 days since. They refuse to explain why it is happening and will not let us talk to anyone who will fix the problem. They promise calls from supervisors that never occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had some fraud on my account and money was taken I contacted my bank and they investigated it and gave me a permanent credit back on my account. I called my bank and told them I keep receiving calls from my bank Citi Bank asking me for my online username and password. I suspected that it was fraud so I called my bank and they said yes that's a fraud we would never call and ask for that information I was told by the callers that called me my account was blocked I received 4 fraud calls in one week. then money was taken out of my account unauthorized by me. after my bank investigated and determined I would receive a permanent credit back to my account. I never received a letter or an email or a phone call from Citibank in regards to my account being blocked by them I happened to log on to my online account and it was blocked all my money in my account my direct deposits go to that account and it said online to call them when I called they kept saying for security reasons we can't discuss it with you after verifying all my information they would not tell me anything finally I spoke to a fraud supervisor and he told me they are closing my account and I would receive a letter never received a letter and it will take 30 to 60 days for them to send me a check with my money. no warning no notice nothing that is money I worked hard for I have deposited it into their bank and there keeping my money for up to 60 days. this has caused me to have no food, my car insurance canceled and my water turned off I spoke to them about 10 times begging them to please give me my money now I need it to survive they told me I could go to a branch and have a branch give me my money all the branches in Fl are 4 to 5 hours away. I need my money to survivor

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 2023-04-28
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX 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

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 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-16
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is my second complaint-My complaint continue against XXXX who uses a debt collection company name Diversified Consultnts. Diversified Consultnts have continue to show a balance of {$3100.00} on my credit report, after I have satisfied this account years ago. The account continue to show Open with a opening date of XX/XX/2019. I filed a complaint on XX/XX/2019, which included XXXX and XXXX, XXXX was removed from my account however, XXXX remain on my account. I have disputed this issue many time over and still the situation have not been resolved. I do not owe this debt and this predatory company should not continue to pull down my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MI
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:
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. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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