BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
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 information incorrect

Complaint:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Account information incorrect

Complaint:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/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 2019-09-16
Company: MIDFIRST BANK
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company said they did not receive my email copies of paystubs. I clearly have proof of the email. I did an Emergency Order to Show Cause at XXXX Court on  XXXX XXXX. The Judge agreed to stop the sale. Midfirst Mortgage sold my house although the order to show cause was signed by a judge. They are liars and dont honor emails or Judge rulings. They lied and sold my home. I think Im having a nervous breakdown. How can they get away with stealing.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2020-07-10
Company: BBVA FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Submitted online application to XXXX for small business checking on Monday XX/XX/2020, with all necessary documents including federal EIN. Crickets. Not a single email after the initial receipt. Friday I logged in again, looked for some sort of contact info, found none ( which is super sketchy ), and was prompted by the website to take a " survey '' to which I responded it was sketchy not to give a solid estimate of application turnaround or a way of contacting them about the application. Immediately after submitting the survey, I received an email saying " we are reviewing your application. '' A couple hours later, application rejected, with no explanation or offer to provide explanation. Very obviously due to my critical review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
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 : OFFICE OF THE ATTY GEN # XXXX Account name : XXXX REWARDS # XXXX Account name : 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 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 explanation
Consumer complaint received 2020-11-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The Company is XXXX XXXX  ( Comenity/XXXX  ) XXXX XXXX Tx XXXX I took out a loan in XXXX for dental work done. On XX/XX/XXXX, the balance was {$19000.00}. I received an email reminder of the same balance on XX/XX/20. I phoned the company customer service number XXXX XXXX XXXX to inquire how much do I owe to close this debt? The representative informed me that the amount on the statement if paid in full prior to the due date XXXX XX/XX/20 XXXX, I would not owe any additional money on this account. 
XX/XX/XXXX, I paid the balance of {$19000.00} in full. On XX/XX/XXXX I revisited their online statement for my account which showed " XXXX '' balance and no payment due. 

XX/XX/XXXX, I received an Online Credit Statement indicating I owe {$130.00}? 
The statement they sent out list Previous balance paid in full, other credits and purchases XXXX, other debts XXXX, fees charged XXXX followed by interest charge {$130.00}. 
When I asked how do I owe interest on a XXXX balance, they said you are paying the interest of the original amount and I had to pay it and I will receive penalties if I do not. 
This is unfair practice when a consumer pays off a debt, than this company decides to add an additional fee, that will never go away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi XXXX keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its

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 2018-12-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 I sent a certified letter signed receipt to XXXX XXXX  asking that they VALIDATE OR REMOVE a collection item from my credit report. I specifically asked for an original copy of a signed copy of the original contract binding me as owning the debt and not a bill. verification and validation is not the same all they sent me was a copy of a bill which doesn't validate

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 2019-10-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report alert went off today saying that I owed a payday loan for {$340.00} to XXXX XXXX XXXX who ever the XXXX that is that took place on XX/XX/2016 I have no idea what Midwest Recovery Systems is talking about. In 2016 around at that time I purchased a new truck with no down payment and a townhouse I had no money problems in to 2016 and still don't. If you check my credit report I am at a 100 % at paying my bills on time one thing I ain't going to do is borrow money from a payday loan or anyone else. You have the wrong person someone might have used my information with out my knowledge things like that happen but it wasn't me. If you continue to harass me on something I didn't do I will file a civil suit against your company ( Midwest Recovery Systems ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: MI
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 submitted several dispute alone with police report proving my identity has been compromised. Equifax refuse to remove the compromised information. 
I am attaching the police report and i would like the Bankruptcy that they can not verify XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just recently found out there was a lien on my home from a line of credit that was and should have been cleared after my refinancing of my home. I refinanced my home with XXXX XXXX XXXX   around XXXX to XX/XX/XXXX. I received a line of credit from XXXX XXXX for {$25000.00} soon afterwards. My property now shows the same lien filed in XX/XX/XXXX by XXXX. 
XXXX XXXX filed for bankruptcy in XXXX and was bought out by XXXX XXXX in XXXX. I did a refinance with Countrywide Mortgage around XXXX or XX/XX/XXXX. Countrywide of course was purchased before this date by Bank of America. ( enclosed copy of doc. going to Countrywide from XXXX XXXX ) This is strange because XXXX XXXX was out of business in XXXX. I have not been able to find the refinance documents. Bank of America has denied that I was ever with Countrywide or XXXX XXXX. BOA shows a loan modification XXXX XXXX and a refi on the date. If a lien existed at the time of closing it should have been cleared. Now BOA has sold the loan to XXXX XXXX XXXX. The new companies title company claims there is no liens on property which is not true. The lien has been cleared but it still shows and the title companies at each closing claims it is clear. It seems BOA wants to claim it owned the mortgage before any of the liens were applied XXXX to get around their responsibility of making sure the liens were cleared at closings. I have requested documents from BOA without any success.

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 2022-11-07
Company: EQUIFAX, INC.
State: HI
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:
Since 2015 I been requesting an investigation from equifax XXXX XXXX XXXX regarding my consumer report Via credit repair services. For years now I been subjected to inaccuracies, miss information and errors on my consumer reports due to the credit bureau. Title15 USC 1681 ( 3 ) protects my right to consent and privacy. Credit bureaus do not have written consent to report anything regarding me nor do they have my permissible right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Information belongs to someone else

Complaint:
I found fraud inquires on my credit report at XXXX and Equifax. Tried to call them, but they refused to wipe this inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a home builded in XX/XX/XXXX started have problems with the home the builder trued to fix the problems about 10-15 times but the same problems come right back call to get a inspection of the home and the inspection reports States that the home was builded improperly the builder used 2x 4 to frame the first floor instead of the required 2x6 or 3x4. This cause inadequate support of the home also foundation was misaligned when home was constructed I can go on .I have reports done on the home by XXXX XXXX XXXX reports dated XX/XX/XXXX, reports by XXXX XXXX XXXX XXXX, XXXX XXXX called out by XXXX XXXX XXXX companies and a Engineering reports done XXXX XXXX XXXX, XXXX, XXXX  Hired by my lawyer. Why coming to citimortgage is that injury and damages to the value of the property never finish the parking lot no trash pick no Black top on the road .I sent citimortgage all reports Pictures Of how the Community has not been finished how there appraisal of the homes are wrong also your appraiser never came out to XXXX overlook I do believe because we have five homes own by citimortgage that have big problems going on.Citimortgage is not try to help people are going to loss there homes because they cant afford to pay mortgage for homes that not value at the price citimortgage give us for something that knot Complete homes builded the wrong way the builder walked away 6years still have take your trash to the next block to have it pick up citimortgage is just as bad as the builder get taking money from people who by robbed by the builder the city of XXXX and citimortgage all first time buyer citimortgage sent me and my neighbors a letter saying they sympathize with us but citimortgage cant help us this letter came from XXXX XXXX Executive Responses Unit dont care about us .Citimortgage came out to the property and done a inspection and will give me a copy of this inspection reports tell me I have to get my own inspection reports you know XXXX XXXX didnt read anything to say this because I sent citimortgage 5 inspection reports I payed for when people try to call them they tell them we can help you this customer service I send e- mails to XXXX XXXX, Chief Executive officer of citimortgage and XXXX XXXX, chief Executive office of citimortgage me my neighbors never got anything back from them to end this letter a lot of first time home buyers going to lose there homes not because they cant afford because they was taking vantage Of by the builder citimortgage and the City of XXXX I been fighting for 6 years need help!!!

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 2023-02-02
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: Personal information incorrect

Complaint:
There incorrect personal information 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 2023-04-05
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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2019-10-23
Company: SYNCHRONY FINANCIAL
State: IL
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'd opened a PayPal Mastercard account ( Syncrony Bank ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to Syncrony Bank to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX, XXXX and XXXX ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via XXXX. 

After several dozen calls and multiple hours of my time, I'd contacted Syncrony Bank ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting XXXX and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.

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 2023-03-21
Company: EQUIFAX, INC.
State: IL
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: 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 response to consumer: Closed with explanation