BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-19
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My name is XXXX XXXX is live at XXXX XXXX XXXX XXXX, PA. Recently in the past 1.5 months I received a letter from XXXX XXXX that our home loan was sold to XXXX XXXX XXXX XXXX CA. The customer service number is XXXX and our new loan number is XXXX. I had trouble paying my XX/XX/2019 mortgage payment ( wanted to pay before the 10 of the month to avoid paying a late charge of {$120.00} ). I telephoned XXXX XXXX and they said to wait the mortgage was still in the process of being transferred. I paid my monthly mortgage XXXX at an interest of 7.1250 % ( robbery ) on XX/XX/XXXX. XXXX XXXX said they would waive the late charge. Today in the mail I received a bill for XXXX to be paid by XX/XX/2019. I believe this months mortgage was included in this fee. I paid my loan to XXXX every month was late in the past 18 yrs many times due to situations that were out of my control. XXXX  told me not to worry about the late fees until we sell our house. I believe the outstanding monies we owe to XXXX XXXX are due to late charges that we have already paid late fees in the past 18 years ; now I have to pay the late charges again? I don't have XXXX dollars. We live pay check to pay check and I just don't understand how this can be legal? I really need help with this matter. Please can someone help me. I'm scared I don't want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/20 the XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming 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 explanation
Consumer complaint received 2019-07-09
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm not actually applying for a mortgage, but none of your options fit my complaint. 

I received a letter in the mail which is dressed up to look like an official notice of my home being foreclosed on if I don't call the number listed and arrange a loan with them. The letter reads : " Statement Date : XX/XX/2019 Subject : Property Tax Bill Changes Subject Property : ( my address is listed here ) ( my name is listed ) : Notice : XXXX This letter is to inform you that when you borrowed money for the Home Renovation Program you agreed to amortize the loan payment in your property taxes for up to 20 years. 
Failure to make these payments could result in mortgage delinquency or even forclosure. 
For a limited time, you are still able to pay off your home Renovation Loan obligation and receive a much lower payment which will drop your property taxes back to their normal amount. 
All parties must register before XX/XX/2019 to be considered for this financing option without restriction. Call today to find out how this might affect you. 
All applications submitted 30 days after the statement date of this letter will not be reviewed. Due to the severity of the issue we anticipate longer wait times. Please call customer support to receive a detailed explanation. 
Call ( XXXX ) XXXX Statement Id Number XXXX Monday to Friday XXXX XXXX - XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX PST ******** *Please see Reverse Side for Disclosure information '' Note that I have never borrowed money for any home renovation program, but I can easily see how someone who may have done that would be duped into thinking this is a serious letter. I should also mention that the letter is of the format typically used for one 's tax documents ( including the outlined XXXX followed by all black XXXX ), and states " Warning : {$2000.00} fine, 5 years imprisonment, or both for any person interfering or obstructing with delivery of this letter U.S. Mail Sec. 1702 U.S. Code '' as well as " Information Regarding your Upcoming Property Tax Bill. '' On the back of the bottom half of the page I quoted in full above, there is very fine print which states, among other things, that the company perpetrating this scam is " American Financial Network, '' and that " The content in this advertisement is for informational purposes. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: BBVA FINANCIAL CORPORATION
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:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other XXXX charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), BBVA Compass ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a mortgage loan with XXXX/XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America without authority took monies out of an unauthorized account on XX/XX/XXXX with two account holders. I was not given this disclosure/ the account was part of a foreclosure home equity account. The funds taken were borrowed funds from my student loans and they were not authorized to withdraw. The bank also did not notify me, I complained about this in XX/XX/XXXX, letting them know that they never advised me of the delinquency and or notified me of the funds coming out of 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan was forgiven in XXXX. XXXX report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. XXXX promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.

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 2019-07-09
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently still enrolled in classes with my school. I should be in Deferment status but for some reason I am in Repayment status. I was not aware that any sort of payment was due until I had a payment past due and another payment to be due in a few weeks. The amount of these monthly payments are almost as much as I pay in rent each month, needless to say, I can not afford one, let alone 2 of these payments in a month. I still have a year and a half left before graduation and I am terrified of the amount of debt that I am in to this company who has not been helpful whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : 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 2018-04-20
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt is past New York State Statute of limitations last payment made XX/XX/2006 And is stated on letter received after collection agency called I had to request letter did not send a head of phone call. Collector did not up date file for address or phone number at time of call there for had info and did not send initial demand letter prior to calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Company has been incorrectly reporting to me a score based on 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 2023-01-13
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: Reporting company used your report improperly

Complaint:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2021-08-23
Company: SYNCHRONY FINANCIAL
State: PA
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:
On XX/XX/20 syncb/ Lowes Brc.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Trident Asset Management, L.L.C.
State: VT
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:
Trident Asset Management, LLC is reporting a collection item on my credit report which purports to have originated from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX or any of its affiliates and believe that this item is fraudulent. I have attempted to contact Trident on several occasions via phone and email, but have not been able to get a response from them. Given that this appears to be a pattern with Trident ( purposely reporting erroneous information on consumer credit reports in order to willfully extort money from those consumers ), I believe that charges should be brought for fraud against them. It would also appear as though RICO statutes may apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: NJ
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 last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 DID NOT RECOGNIZE the following inquiries. As such, it is a very serious error in reporting. I asked several times XXXX and TransUnion to DELETE THIS FRAUDULENT AND/OR UNRECOGNIZED HARD INQUIRIES XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, XX/XX/2023 This is a violation of 15 U.S. Code 1681i ( 5 ), Removal of Inaccurate/invalidated credit information. Please remove immediately.

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 2021-02-12
Company: EQUIFAX, INC.
State: NY
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:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX {$90.00} BANKRUPTCY : DISCHARGED CH-XXXX  XXXX XX/XX/XXXX {$0.00} XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation