BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 2022-04-15
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company failed to pay my tax bill on time and now there is a hefty late fee. My mortgage has an escrow account for my homeowners insurance and my taxes. I called to notify them several times last year. Called the town to notify them. They have failed to pay the late fee they incurred. My mortgage payments are auto drafted. Zero reason for any late payments. That fee has now carried over into my XXXX taxes due XX/XX/XXXX. I will not pay ANY late fees because they didnt submit payment in time. Now theyre trying to raise my mortgage payment to offset the late fees. This is insane. My escrow balance to date is {$880.00} my spring taxes are only {$470.00}. The delinquent tax is {$100.00} plus a penalty is {$10.00} Carried over from last year. So how is it monthly I contribute {$370.00} into my escrow account that covers my homeowners insurance and my taxes for the year. My homeowners policy is {$2600.00} for the year or {$210.00}. My property taxes are {$940.00} Total yearly liability of {$3500.00}. Now if my total liability is {$3500.00} and PPH is taking out $ XXXX {$4400.00} how in the heck do I owe anything? That would be because they made my tax payment late. I called and nothing was resolved. I have since called again this morning. Of which they wanted to send me to voicemail again. I said no I want a supervisor. Which now leads me to waiting again to see if they fix their mistake without trying to charge me for their mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Kindly examine the attached documents and initiate an inquiry into accounts reporting me as late, despite my timely payments.

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 2023-05-23
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : Midland Credit Management acquired a debt from the original creditor, XXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to Midland Credit Management, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Midland Credit Management, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : XXXX. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
XXXX. Cease Collection Efforts : I demand that Midland Credit Management immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
XXXX. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that Midland Credit Management rectifies its violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MO
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-01-05
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX, XXXX sent me court documents in the mail on a inactive case in which the judge ruled in my favor on XX/XX/2015. She tried to deceive me with the information that she sent me. She did not file a new Civil Action : with Superior Court Of New Jersey Law Division-Special Civil Part XXXX County. The documents stated that I had to respond in 7 days to opposed or unopposed, if not, the order of garnishment of wages will be carried out. Back around in XXXX was her first attempt to collect my debt and this is her second attempt to collect my old debt in the amount of {$6900.00}.

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 explanation
Consumer complaint received 2022-11-28
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:
There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXXXXXX needs to be deleted 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: OR
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:
Equifax initiated disputes with three accounts on my credit report with out authorization. I submitted in writing requests to remove any remarks regarding old disputes against XXXX, XXXX XXXX, and XXXX XXXX. Equifax stated that since there were no remarks regarding disputes on those accounts that they initiated disputes. They further stated that since the disputes are under investigation they cant stop the disputes. 

I did not request these disputes and do not want to dispute the accounts. 
Thanks you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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:
I didn't apply for these accounts these accounts are fraudulent and I would like them removed.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX Account Number : XXXX Reported Date : 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 2018-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( Equifaxs ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still Equifaxs not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I receive upwards of 20 phone calls per day from American Education Services if my monthly payment goes even 1 day past the due date. I am not late on my payment, but they call repeatedly to ensure payment. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2022-11-28
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my chime account since the first week in XXXX. When I initially tried to login, it told me my account was locked due to suspicious activity. I received an email stating that I needed to provide a state issued photo ID and proof of residency. I sent this information in. Several days went by and they still had my account locked. I called them and the told me that I needed to send in this information again. I obliged. My account is still locked. Every time I call them, they tell me they do not know why my account is locked and that it is under review. They do not tell me when this review will be complete. It's been almost a month and I am now behind on rent and other living expenses as this is my online account. I have been calling chime every other day and am always given the same response. I have a lot of money on this account. 
It is unacceptable to keep it locked with no explanation or Time frame of when this issue will be resolved. I need access to my funds asap, this is causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report from Equifax on XX/XX/XXXX. It reflected a hard credit inquiry on XX/XX/XXXX from XXXX XXXX that we did not initiate. On XX/XX/XXXX I spent 2.5 hours on the phone with XXXX and/or XXXX XXXX at four different numbers before I could reach a supervisor that transferred me to the fraud department at XXXX. The fraud representative name was XXXX and his employee ID is XXXX. Prior to the fraud dept. I spoke with XXXX with employee ID # XXXX at XXXX. They confirmed someone applied for a new account on XX/XX/XXXX. They stated the application was still pending and I had to talk with another department to report the fraud and prevent the account from being approved. After two hours on hold, they stated the account was approved but then shut down based upon my phone call regarding the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Lendmark Financial Services
State: NV
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:
This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt. I know that a 1099-C had to be filed, and I never received a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a Mr.Fisher in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.

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