BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2020, TransUnion sent me a copy of my credit report after updating my personal information. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting was not mine. So on XX/XX/2020 I disputed four inaccurate accounts which were XXXX, XXXX, XXXX XXXX AND XXXX   with TransUnion via U.S. certified mail. TransUnion sent results in the mail on XX/XX/2020 deleting the XXXX account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/2020, I sent TransUnion a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ). On XX/XX/2020, TransUnion responded and refused to provide actual proof as to how they verified the accounts. On XX/XX/2020, I sent TransUnion a certified letter warning them to remove the disputed accounts or face having a complaint being filed against them. On XX/XX/2020, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request and just said that the XXXX was verified again in a separate response letter. TransUnion also failed to verify the date that notified the furnisher. TransUnion also failed to verify the date that notified the furnisher. I also warned them that if they did not properly-investigate my dispute and remove the disputed accounts from my report, that I would be filing a complaint with the Consumer Financial Protection Bureau. Due to TransUnion failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.

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 2023-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Back in XXXX, I set up auto pay of my mortgage ( XXXX ) to be taken out and paid electronically every month on the first of each month when the payment was due. On XX/XX/XXXX, I contacted my bank ( USAA ) to inquire about why my mortgage payment was not being processed on time. I had noticed several months ago ; around XXXX, that the payment was being processed 6-7 days later. When I asked why, I was told that it could be an issue with the Merchant ( XXXX ) not accepting the payment electronically or my banking institution felt they needed to change it for whatever reason they deemed fit. I explained that I have had it set up that way for the past 5 or so years and that I did not appreciate the change considering that I did not want my mortgage payment to be sent late. They stated they could not handle when the mail was being picked up at the facility that now handles writing the checks for USAA. ( If I wanted a check sent out, I would did it myself ) I stated that I would like to speak with them and they told me that was not possible. USAA could not give me a valid reason for this change and told me they could change it at anytime they wanted to without notifying me of this change. I am very frustrated on the non-answer answer that I have received and would like details into this situation. I do not want my payment to be late and incur additional charges because the bank deemed it so. At this point, I am not confident the bank can handle the needs of my family and what we ask of them to provide for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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: Their investigation did not fix an error on your report

Complaint:
I am uploading a letter from XXXX XXXX in regards to the XXXX account reporting on my credit reports. I have been disputing this account that it does not belong on my credit reports. The investigation was completed and shows proof the account is to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: PNC Bank N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PNC Bank repeated calls by their consumer finance division on their secure credit calls are now every 15-20 minutes! I have asked them repeatedly to stop but they continue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to XXXX XXXX XXXX effective next month. 
I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: AL
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 RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF 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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi, to whom it may concern transunion is reporting unverifiable accounts on my credit report that's severely damaging my credit score and ability to seek new credit. I pointed out to them via letter that these accounts aren't mine and to please remove them. I sent my last letter back in XXXX and it's now XXXX and I haven't heard back from them yet. They clearly don't care about my issues and aren't taking me serious.

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 2019-03-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan for business vehicle was secured on XX/XX/2018. Each month the invoice for the payment on the loan is received with the incorrect name of the business on the payment remittance slip and the 'TO ' address that shows through the loan payment window. I have sent certified mail return receipt documents to the correct business address of the Loan company ( Citizens One ) to have the information correct and have received three letters and the initial loan paperwork that had the business name correct. I have called and talked with a supervisor and back area supervisor regarding the incorrect business name and each time the invoice is changed for one month and then it reverts to the incorrect business name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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:
On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to Experian on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 )  XXXX XXXX : still on my credit report should be deleted. 

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.

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 2023-05-11
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent email to company with requested information and have not to this date receive any written validation of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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:
My loan was sold by XXXX XXXX XXXXXXXX XXXX  to XXXX XXXX XXXX  ( XXXX ) in XXXX. My first payment due to XXXX was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing 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 2020-05-28
Company: Experian Information Solutions 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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2023-02-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my account with US bank on XX/XX/2023 with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX trying to access to my online banking and is giving error, I cant access. 
I sent XXXX emails to XXXX to see what is going on and how to fix it, but she is not answering.

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 2020-07-08
Company: HSBC NORTH AMERICA 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: Account information incorrect

Complaint:
HSBC made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was 0 but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to XXXX as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
HSBC admitted the mistake and informed XXXX To daet here is no change or correction to my low incorrect credit score. Legal action against XXXX and HSBS will follow shortly after my administrative channels have been exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've continually called and written about simply wanted my loan payoff from a loan I have paid off. I want to make sure they paid me the correct escrow refund. They keep saying they'll email it and we've had multiple emails and no one ever sends it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2018-10-18
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Loan was Modified XX/XX/2013. 
{$200000.00} was Deferred until the end of the loans maturity date. 
However, Debt Forgiveness was granted 1/4 of the deferred balance in each of the first 4 years. 
Ocwen, the current servicer, has been contacted several times and they demand that the deferred amount will remain on the loan and will need to be paid at the end of the maturity date or upon a refinance. Ocwen even sent the Modification Agreement to me, which clearly states the Forgiveness on page 16 of the PDF, but they have never read past page the first paragraph. Ocwen is still putting me off and not addressing the situation. They say 2 more weeks to a month before they can review it. It's been going on for 3 years now. I've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I've disputed a judgment reporting on my credit report. This judgment is in violation of the FDCPA to my rights to privacy pursuant to the Privacy Act of 1974, and this judgment is also defamation. 

Note : Generally, defamation is a false and unprivileged statement of fact that is harmful to someone's reputation, and published " with fault '' meaning as a result of negligence or malice. 

I've asked the credit bureau for verification and they have not sent any proof of verification yet they refuse to remove this judgment. 

I then went to the United States Bankruptcy Court and was given a written statement claiming they do not validate nor verify any recorded documents to credit bureaus or third parties. 

So this judgment is reporting erroneously and its only intent is to cause harm to my character and reputation. Because this item is reporting erroneously it is in fact keeping me from job opportunities and other financial endeavors, which can only be defamation and an ill way to slander my character. 

I have sent letters to the bureaus letting them know that if this is not resolved I will have to take legal action and it may result in a law suit for defamation, negligent enablement of identity fraud, and violations of the fair credit reporting act.

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 2020-09-09
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Submitted com plaint for Fidelity / XXXX XXXX XXXX. 
They have no replied through you but instead sent a manifesto of accusation and refusal to help during the pandemic. 

I requested multiple time for help and tried to be up front with them but rhewy have initent of helping or doing anything that is productive. 
Their only goal is to harm me.

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 2019-03-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.

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 2020-10-03
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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