BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Debt : {$500.00} XXXX The debt in question is due to an overpayment from the Veterans Affairs Office.  This debt did not arise from a contract or agreement to pay. The 31 State AG Agreement, XX/XX/2019, explicitly states " The CRA 's shall prohibit Collection Furnishers from reporting debt that did not arise  from any contract or agreement to pay ( including, but not limited to, certain fines, tickets and other assessments ). '' This is stated on page 12 of said agreement, attached to this email, paragraph C and D. 

I also include a link to said document : https : 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 2019-03-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX 's store credit card owned by XXXX XXXX increased late free from XXXX dollars to XXXX dollars without appropriate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Santander Consumer USA Holdings Inc.
State: VA
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:
Santander is responsible for choosing and removing eligible accounts under the AG lawsuit for loan forgiveness. 

They will not remove my account although I fall under the criteria with no reason stating that I don't fall under the criteria. 

They keep saying that AG office handles the loan forgiveness/credit deletion but they do not. 

Santander has no reason to disqualify my account from the settlement and deny removal. 

Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
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 fraud alerts or security freezes

Complaint:
During the past five years I had been harassed by USDE on whose falsely made claims to IRS on overcharges on paid off student loans I had, also IRS were taking my tax return to paid unpaid business taxes reported to them as independent contractor under my legal name XXXX XXXX XXXX, I also filed complains because Transunion credit bureau fraudulently allowed XXXX XXXX from California misrepresenting and accessing my credit file and placed her fraudulent loan as add on in connection with an existing record of my student to cover up her fraud in order to fulfill her economic crimes and XXXX. 
Attached find the reason why only TransUnion credit bureau had outstanding debts reported on my credit file and others credit bureau had XXXX balance and reported my student loan paid off, and had gone nothing to clear it, just TransUnion! 
As mentioned before I had security freeze on my credit file since 2010, I recently logged into my credit file to change my password, and noticed that my logging were linked to the spy location address XXXX XXXX in California and PA, not my location I live in XXXX, Florida, I had never been in PA neither in California, also I noticed they were also registered as business inquire and linked to a business name XXXX XXXX XXXX, which is my real legal name, birth name, and accessed my file without having my password neither my pin, which mean to me they are being using my personal logged in to get my credit file in connection with their business, to cover business entity and XXXX XXXX in California, which is a fraud and identity theft FS, XXXX therefore it means to me that XXXX XXXX has an insider helping her with her fraudulent and abuse economic crimes, his name is XXXX XXXX who is nothing less than a senior Manager of TransUnion credit agency. The address listed on the business inquire as my location is XXXX XXXX residence address located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, and he phone listed on the business inquires are also TransUnion credit bureau phones XXXX, XXXX, XXXX, see attached evidences and proof Now you have everything to made an arrest, forward complain to the FBI and arrest this is the XXXX XXXX XXXX in TransUnion using my name as business, and committing fraud, placing loans under my social security, the domestic XXXX is covering their operation using with citizen existing loan to add on their own loans which in my opinion could be loan for financing domestic XXXX and they are using good citizens with good credit record. I am sure the US department of education has another XXXX XXXX working on their domestic XXXX operation covering up their operations

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 2019-03-20
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We were having money issues and asked XXXX to suspend our service so we wouldnt keep accruing bills we couldnt pay. They agreed to do that and during that time there was a work related injury and we had even less money. We decided to pay off comcast as soon as we could. We thought we might get sent to debt collection but were unsure of when. 

We were sent to debt collection in XX/XX/2019 ... .in XXXX of 2019 the XXXX XXXX XXXX has started putting Derogatory marks on my credit on a repeated basis ( 3 in a week ) for the same debt. 

The entire problem with this entire issue, we were never ONCE notified that we were about to be sent to debt collection, we were never once notified that we had been sent to Debt collection, by either XXXX OR the XXXX XXXX  XXXX. 

Not one time did anyone from The Debt Collection Organization Call, Email, Send a letter, anything at all to try and reach out to let us know what was going on. 

Instead they quietly took our debt on and waited without saying a word and are now spamming our credit with Derogatory marks. 

We have zero idea of how we are supposed to pay the debt, because as I said, we had no idea we had been passed on to XXXX collection. 

I have messaged them twice to try and get this entire thing sorted and they have not responded once. 

They ignore our messages and instead just keep putting Derogatory marks on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. XXXXXXXX XXXX REPORTED A BANKRUPTCY REMARK ON MY TRANSUNION CREDIT REPORT. NEITHER XXXX NOR TRANSUNION VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. XXXX DID SEND A LETTER TO ME ONXX/XX/XXXX SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
TRANSUNION INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH TRANSUNION, NO OTHER REPORTING AGENCIES. XXXX SHOULD NOT BE REPORTING FALSE INFORMATION AND TRANSUNION IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!

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 2018-07-13
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX-XXXX-2017, I sold my house to my son. During the process, I sent Quiken Loans a copy of the property taxes that I, the seller paid in full for tax year 2017 to XXXX XXXX, Georgia. Once the house closed and I received my final check, I realized that the loan company had deducted the property tax of {$1500.00} from my final check! After talking to three people including upper management, I was told that in order for me to get my money back I would have to get the money from the buyer or the buyer would have to re work his loan to add the funds to his loan. These taxes were paid in full as required by law before this loan was finalized. Quiken Loans kept this money to pay taxes that were already paid upfront in full. That's double taxation on the loan companies part! They, Quikin loans, had no write to require me or the buyer to pay a bill that was already paid as required before the loan was finalized. Therefore, I want, deserve and demand my {$1500.00} back in my pocket where it rightfully belongs!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX my mortgage servicing company changed from XXXX XXXX to Selene Finance. My XXXX mortgage payment was drafted by XXXX XXXX on XXXX XXXX and is reflected on my Selene Finance Account as received on XXXX XXXX. On XXXX XXXX, Selene Finance withdrew {$2100.00} from my bank account without my authorization. My wife and I had not even signed up for automatic payments on the Selene Finance website. Also, during the transfer of mortgage servicing providers, Selene Finance did not receive documentation regarding my VA loan and sent a letter to me stating that I must have insurance for the full amount of the loan. They either did not receive the VA documents detailing what I am responsible for insuring or they disregarded them. Finally, the Selene Finance website states that my next mortgage payment is due on XXXX XXXX, which is incorrect as my mortgage has always been due on the XXXX of each month. By law, Selene Finance can not change anything with my mortgage agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
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:
XXXX  and XXXX  are reporting incorrectly that I am 120 days past due on loans with NAVIENT - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CL Holdings LLC
State: AZ
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 multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX   XXXX XXXX Val {$620.00} XXXX XXXX - XXXX   XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX   - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX  {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im a victim of identity theft!

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 2019-08-09
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My house was rushed into foreclosure ending with predatory leaning for the ages. I lost my house and the XXXX of equity that I had build up. I only owed XXXX. 
I was taken advantage of. 
The courts were manipulated. 
Justice was not served.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, 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:
All three credit bureaus are reporting few information on my credit report that are either over 7 years old or incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( XXXX, exuifax, XXXX ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has put a debt on my credit report that doesn't belong to me, how can I owe this debit when another company outside of this company is trying to collect from me as well on the same debit. this is very frustrating as this is hindering me from getting credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a notice dated XX/XX/2020, trying to collect a debt for XXXX, for which I've never had an account. It's not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
American Express is not fully advertising the terms of the their reward cards that they offer through XXXX in exchange for voluntarily ceding a seat on a flight. XXXX XXXX ( XXXX XXXX contractor ) advertised the 6-month expiry of the funds but did not clarify that, unlike industry-standard Visa and Mastercard gift cards, there is no dispute process whatsoever such that money stolen by theft of the reward card or reward card number is gone forever. This also implicates American Express 's absurd claim that their cards are " safer than cash '' when they will not investigate any fraud and refuse to provide a replacement card unless you managed the memorize the 15-digit number of the card. This makes the cards virtually equivalent to cash and not " safer '' as their advertisement claims. Indeed, I spoke with XXXX XXXX from corporate, who claimed that American Express 's servers do not even verify a security code, an expiry date, a name, an address, or any other information except the 15-digit reward card number when approving a transaction. Not only is this far below the industry standard that Visa and Mastercard provide, but it again makes it laughable that American Express would advertise their card as " safer '' than cash. 
The CFPB should investigate American Express 's deceptive advertising regarding their reward cards. In addition, American Express should, in view of its failure to disclose the non-industry-standard terms of its cards until after I had already received mine, open an investigation into the fraud committed on my card and refund the remaining {$51.00} that I have been unable to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX stated that I owe Student loans that I can't recall signing for. The student loans are definite a hardship to my credit report. XXXX XXXX XXXX XXXX Practices are illegal and unfair. They garnished my wages without a court order in which is illegal on the Fair Debt Collection Practices Act 15 USC 1692e 807 ( a ) ( 4 ) .They also did not validate the date by sending any written information which violated 15 USC 1692f 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ).

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am the cosigner on this loan. Current balance {$10000.00} reported XX/XX/2018. 

AES/XXXX has changed the payment period of this debt with the primary debtor by deferring payment start date for repayment. I declined to agree to the modification. Changing the starting period of the loan payment schedule by several years without my consent is a violation of the loan agreement that I co-signed. 

I ask to be removed as the co-signer on this debt since the contract has been altered without my written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, INC.
State: OH
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 several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Equifax to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Equifax maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Equifax. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Equifax about. I'm confused, how can Equifax say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.

Company response to consumer: Closed with explanation