BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Transunion Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On X/XX/2017 Portfolio Recovery Services signed for a certified letter ( see attached ) that I sent requesting " validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' I have yet to receive any evidence showing that the debit is valid and belongs to me. <P/>They did mark my credit report with a status of " disputed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my report and saw that XXXX XXXX and Milestone were incorrectly reporting late payments. I paid both cards off before due dates but they reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
US DEPARTMENT OF EDUCATION Did not had to report that the balance was paid. It lower my credit score because it reported information that is not important to be shown. Its not a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX written statements were received in the mail indicating that a collection agency was seeking to collect a debt. In addition, the statement was also sent to a previous address. I do not owe the amount that it states. 

Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Reporting company used your report improperly

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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Louisiana Child Support Account # XXXX, has violated my rights. 


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 2019-08-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2019 I have been attempting to get my loan modification with Mr.Cooper. unfortunately they have continued to delay and stall all of my attempts. I will first get letters stating that they have ALL docs. Then later I need to resubmit the entire packet over again. I have been getting this same run around for now 4months. The most recent stall tactic was on the XXXX of XX/XX/2019. While my case was in underwriting, they paused it again for the 8th time. Staing now they needed a legible 1099? When 4 months ago it was acceptable!! Then prior they said the IRS form for my 1040 was never received!!! I took days off of work, just to get to the IRS to be told that the IRS did send requested Docs. I lost my day salary and to add injury to insult this FHA loan was sold to XXXX XXXX after XXXX of XXXX. Still NO MODIFICATION. THIS IS against RESPA and HUD. I also had HUD to make contact with them and I was assured that my modification would be completed. Once HUD closed my case based off of mr Cooper, they reversed everything and I am back to getting absolutely nothing done. Can you please assist me with this. I lost my second source of income and get no other funds only my job income.XXXX   mouths to feed ect. And don't want to lose my home waiting on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 contacted Transunion on 4 different occasions twice by phone and twice by certified mail. They insist that they have verified the accounts in dispute. This company XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1400.00} and {$1500.00} with Transunion, XXXX, & XXXX credit reporting agencies. I requested validation of the debt and I have n't received anything. Considering that this business does not have a contract with me, nor have they provided any services to me I am not obligated to pay for this alleged debt. I am demanding that the business remove the negative report against my SSN and any credit reporting agency. In addition the business agrees to have no contact of any form with the regarding this account now and/or in the future. Lastly I 'd like them to remove my personal information from all accounts in the companies database. Back in XXXX 2017 these accounts were removed from my Transunion credit report and placed back on my report in XXXX. This is becoming very frustrating and overwhelming and it 's making it hard for me to acquire credit and become a homeowner. The company is very harassing and they continuously call all day and during the evening as well. XXXX ACCT # XXXX XXXX ACCT # 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 2019-08-08
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 at XXXX MST I paid the collection agency in the amount of {$100.00} for a collections debt relating to XXXX XXXX. I have received another collection letter for the same exact debt in the same exact amount. I have called various times and no one will answer my calls. I have called all numbers on the letter as well as on their website. The collections agency is Renton Collections based out of XXXX Washington.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: The CMI Group, 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: Investigation took more than 30 days

Complaint:
I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: DE
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:
XXXX XXXX correspondence which addressed the concerns of the complaint was not enclosed as stated by XXXX XXXXXXXX in theirXX/XX/XXXX response. They stated a payment history of the account from XX/XX/XXXX to the present for my record was enclosed, this is not true did not enclose the payment histor. Another complaint will be initiate for that information requiring XXXX XXXX to disclose payment history.

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 2021-06-10
Company: EQUIFAX, INC.
State: CO
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 a business loan late payment ( not a default/judgment ) that a business creditor is reporting to my personal credit because of a personal guarantee. The loan is to the business EIN and not my personal SSN. 

Equifax should not allow this because of the way they market their data, When I apply for a personal loan, I am only able to provide personal income to the prospective lender. The lender then checks my income vs. the debt/score on my report. A business late payment on the report unfairly damages my credit because the personal lender is assuming that everything on the report is related to my personal finances. In real life, I have additional income via the business to pay that commercial loan but I can't provide that business income to the lender as I apply for credit. Again, creditors are evaluating my personal ability to pay but I am getting graded against a conflation of personal and business debt. Having business creditor payment information on the personal report is not consistent with how Equifax sells their data. 

If Equifax marketed their data to be a combination of business and personal finances, then this would be OK because I could then use business income to show my ability to pay. However, they only market their data as a personal credit score. 

It would be appropriate for Equifax to report a business loan only when the lender has received a civil personal judgment ( presumably after default and they are able to pursue this personal judgment because of the personal guarantee ). At that point, the debt is personal and should need to be paid with and considered a part of personal finances. 

But in advance of a personal judgment, allowing business creditors to report payment status to personal credit reports corrupts the data in a way that is inconsistent with how Equifax markets their data to personal lenders. It has to be excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX  XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 
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

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 2021-12-03
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:
XXXX XXXX Department : Remove fraudulent accounts 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 2021-12-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX passed away on XX/XX/XXXX. At the present time I was with Bank of America, XXXX XXXX. Due to BOA and their problems at the time, I was refused many times for a modification. Claiming I was not that of a normal person, I wasn't living in the house which I was. Denial after denial. Failed Then the Mortgage was sold to XXXX XXXX. in XXXX falling behind and having to use my annuity from my husband to keep up with mortgage. When the XXXX took over in XXXX it was noticed by myself that the mortgage was refinanced without my knowing. My XXXX  husband 's Social Security income was used and also my annuity as income. Fraudulenty changing the interest rate from 7.65 %. I asked XXXX XXXX about this many times. I then again tried with XXXX XXXX  for modification and turned down due to have my rate dropped down to 2 % and mortgage never changed in what was payable. Still pay over XXXX per month. 
Then it was changed to XXXX XXXX. I explained many times that I never refinanced the home at it was just changed over to XXXX XXXX XXXX. As I was not on the Note but the Deed and mortgage. Same situation, no one would listen and turned down constantly for a modification. It was fixed so I couldn't modify at 2 %. While all this time was being put in more debt all along. I was forced to sell my home as it was being watched by XXXX XXXX and pictures taken at least once a month. Mortgage was at XXXX a month. In XXXX Principal balance was XXXX. In XXXX I owed BOA XXXX My mortgage went up to XXXX so my questions were never answered by any of the 3 Banks. Here I sit in XXXX dollar mobile home in Florida that is falling apart. All of the mental diress that I had to struggle through because of all this fraud. So therefore, the monies paid were all fraudulent. Denials, I do have much paper work still to show what was happening to me ... XXXX XXXX XXXX XXXX Attorney office was also of no help to me. Went to Attorney General office in XXXX, Ma for help. All programs just slammed me into a wall.

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 2018-02-26
Company: Santander Consumer USA 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: Problem with personal statement of dispute

Complaint:
NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2019, I was charged 3 {$34.00} insufficient fees. When I checked my account at XXXX XXXX on XX/XX/2019 I had my direct deposit pending in my account that more than covered the purchases that I had made on XX/XX/2019. I even transferred {$100.00} to my savings account because I had a positive balance at XXXX XXXX on XX/XX/2019. When I checked my account again later that day I found I had a negative balance of ( {$16.00} ) because of the 3 insufficient fees. I called Chase and the customer service representative said that the vendors collect their funds at XXXX the prior day ( meaning XX/XX/2019 ). I told the representative that this had never happened to me before and at XXXX XXXX  XX/XX/2019 I had a positive balance and able to transfer money. So if the vendors collected money at XXXX XX/XX/2019 how was it possible to do what I had done? However, I was able to get two of the three insufficient fee of {$34.00} credited back to my account but not the third.

Company response to consumer: Closed with monetary relief