BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
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 status incorrect

Complaint:
XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, 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 2017-07-06
Company: EQUIFAX, 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:
Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies.
I have written to these agencies disputing credibility of the debts alleged in my files.
However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts.
I am frustrated at this point because I dont have any other cause of action and I hope you can help me here.
In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as The XXXX Apartment Homes on six months contracts. I therefore, Paid 2month rents in advance starting from XX/XX/XXXXthrough XX/XX/XXXX In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in
the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX upon my return from XXXX Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment.
I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies.
Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting.
I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files.
<P/>
Please I need it removed immediately.
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
According to Experian report number XXXX, the histories of more than one good account was purposefully altered to lower my credit score. On one of my good accounts not only was the good payment history removed but the year the account was opened was literally changed to reflect a more current year. Why was this done and how is this legal?!? I'm 100 % certain this is against FCRA regulations. How many other consumers are being done this way? Please put my histories back to their formal state. I fully intend to show someone who can do something about this. Someone needs to know what is going on there at Experian ...

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 2018-12-31
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 this derogatory collection was put on my consumer credit report this is not my debt and was Fraud in this account. for {$500.00} that was sent to a collection company. I have spoke to this company with no avail of responding several times. Under the FCRA guidelines they have to remove this debt that is not proven, this has devastated my credit report. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
The total balance of the Lowes SYNCB was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and XXXX. Tried to resolve with Lowes but failed to do so. I need the correct balance of {$0.00} to reflect on the 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 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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # 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 2020-02-24
Company: Experian Information Solutions 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:
I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX  XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.

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 2020-02-24
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:
I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
House inherited to me by my father. House payments too big for me to pay. Requested loan modification in XX/XX/XXXX. Loan modification trial started for 3 months ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX for XXXX. Documents sent me in XX/XX/XXXX requiring my signature and one of the papers required notary public emblem. Required papers was sent before XX/XX/XXXX. which was the deadline. Mortgage company stated they had received all of my 3 trial payments but did not received any of the documents that I was required to signed and returned to them, so they dropped me. They made 2 more Loan modifications, but they were over {$900.00}. I could not afford to pay I sent them a letter of appeal request them to reduce the amount to {$450.00} -- which was due before XX/XX/XXXX. -- received letter from them 30 days later informing me they have rejected my request for a reduced loan modification. Loan company and then proceeded to place my home on foreclosure.. I did not retain copies of the required documents nor due I have the tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX XXXX XXXX XXXX XXXX, NY 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 2020-02-24
Company: CITIBANK, N.A.
State: UT
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:
Macy's/DSNB # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off 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 2020-02-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute to all three credit reporting agencies, and the item in dispute was deleted from both XXXX  and XXXX  reports the same day the dispute was submitted. I submitted the dispute to Equifax on XX/XX/20 and called XX/XX/20 for an update ; the person could not verify my identity even though I answered all questions correctly and even gave my SS #, but I did not receive an update on the dispute. I am trying to get a mortgage and am counting on them to resolve the dispute within 30 days but they have made no updates while the other credit agencies deleted the item in dispute from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian charged me twice to freeze my credit, but did not freeze my credit reports. 

I needed to freeze my credit because there was a fraudulent transaction by a third party trying to purchase Experian services in my name. 

I followed the instructions on the Experian website for creating a credit freeze, however Experian said it could not apply the freeze. However, they charged me the {$7.00} fee. 

I thought the problem was that I was using a new credit card, so I tried again using an older card that would be present in Experian records. Again, they refused to apply the credit freeze, but charged me the {$7.00} fee!

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 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my XXXXredit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # 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 2020-02-24
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2021-06-13
Company: Delta Management Associates, 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:
i paid delta management for a collection from XXXX XXXX an they did not report it to XXXX XXXX  so now my score has been impacted???

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 2017-09-28
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX the CFPB issued a consent order related to Discover Student loan servicing.
My Discover account number : XXXX Discover sent me letters and a check for {$75.00} as part of the consent order. I spoke to Discover several times regarding my receipt of the check. I spoke to them on XX/XX/XXXX and again on XX/XX/XXXX.
When I received my check I deposited it into my XXXX XXXX XXXX account. On XX/XX/XXXX the check bounced in my account. XXXX XXXX XXXX told me that Discover had placed a stop payment on the check. XXXX XXXX  XXXX charged me a {$35.00} fee and a {$12.00} fee. 
I spoke to Discover again and they mailed me out another check.
I spoke to Discover on XX/XX/XXXX before I deposited my newly received check and I was assured that this current check was good. OnXX/XX/XXXX I cashed the check with XXXX XXXX XXXX. 
On XX/XX/XXXX7 XXXX XXXX XXXX debited my account for a return item fee for the check. I will once again be charged a {$35.00} fee from XXXX XXXX XXXX. 
When I called Discover they informed me that they no longer handle the refund checks and that I would need to speak from now on to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
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:
Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies. I have written to these agencies disputing credibility of the debts alleged in my files. However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts. I am frustrated at this point because I dont have any other cause of action and I hope you can help me here. In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as XXXX XXXX XXXX XXXX on six months contracts. I therefore, Paid 2month rents in advance starting from XX/XX/XXXXl through XX/XX/XXXX. In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX upon my return from XXXX, Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment. I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies. Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting. I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files. <P/>Please I need it removed immediately. Thanks

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