BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-05-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a late payment on my Equifax from a company called XXXX dated XX/XX/2016. My loan was sold from XXXX to XXXX. I switched all my payments over and was never late or delinquent on any payments. XXXX reported to my credit that I was. I have a letter dated XX/XX/2016 from them saying it was reported in error and should have been removed in XX/XX/2016. It is still there and I am now unable to get preapproved for a new loan. We have sold the property associated with this original loan and the it is 100 % paid off, and shown accurately on my credit from XXXX. Ive been in communications with XXXX and Equifax and nothing has been resolved. Each company is blaming each other. I have been battling this for three years. I dont how to resolve this problem at this point. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : Transunion : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

TRANSUNION : Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX  : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : 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 2023-02-10
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.

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 2021-02-09
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2019-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian are reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating XXXX XXXX XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.

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 2020-04-25
Company: EQUIFAX, INC.
State: PA
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXXhe following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Their investigation did not fix an error on your report

Complaint:
Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to XXXX after being reported as charged off to Experian. It also shows 30 days late to to Experian for free months of XXXX and XXXX and ok to XXXX for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my XXXX report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file

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 2023-03-05
Company: EQUIFAX, INC.
State: MA
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:
Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX  due to the months of stress. I made a payment and XXXX never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX  was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXNG ( Original Creditor : XXXX ) XXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been attempting to speak with or communicate with Mohela Student loan about my loan forgiveness for XXXX. They refuse to provide any data or to process my application to XXXX despite repeated phone calls and messages requesting assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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: Information belongs to someone else

Complaint:
There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this 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
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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 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 2019-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I disputed XXXX XXXX and 2 collection accounts on my report. XXXX XXXX was paid off and is over 7 years old. The 2 collection accounts were from XXXX hospital and I disputed those as well because when I was in the process of getting XXXX for my numerous eye issues, the hospital accidentally billed me for my procedures. XXXX and XXXX looked into all of these disputes and found out that I was correct and removed them immediately. Equifax keeps playing games with me. They keep saying that they can't verify me over the phone because my answers about the creditors are incorrect. What the XXXX are they talking about? I answered every question that they asked me. The answers are probably wrong because they have inaccurate information. I call them every week and try to go on-line every week. This is ridiculous. They are basically holding my credit hostage. Could you please  contact Equifax and find out what the problem is and tell them that I am entitled to an updated credit report by law ... after I had disputed those items. Please contact me to let me know the status. In the meantime, I will contact this XXXX  in writing AGAIN!!!!!! Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1. Two fraudulent charges were made to my XXXX XXXX credit card totaling {$1200.00} as stated below : a. {$210.00} - charged on XX/XX/XXXX b. {$1000.00} - charged on XX/XX/XXXX 2. On XX/XX/XXXX, I filed a fraud claim with XXXX XXXX Fraud Investigation Department. ( See uploaded XXXX XXXX Fraud Docs ) 3. On XX/XX/XXXX, I received a formal letter from the XXXX XXXX Fraud Investigation Department stating that their investigation was completed stating, " As a result, we removed the disputed charges and any related fees and interest charges from your account. '' ( See uploaded XXXX XXXX   Fraud Docs ) 4. On XX/XX/XXXX, the charges had been removed, only to be transferred to my new XXXX XXXX credit card, and have remained since that time charging me interest.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
XXXX XXXX in XXXX, VA had forced place insurance on an auto loan " jointly '' owned by myself and my ex husband XXXX XXXX. I called in and provided XXXX XXXX with proof of XXXX and paid $ 70.00+ to ensure the account would not incur and issues. I was advised the forced placed insurance amount would be fully credited back to our account and there would be no issues moving forward. Recently I pulled my credit report and saw that they had reported to Trans Union 10 Late Payments from the date of when we last spoke. This information is INCORRECT. I have tried to communicated with them and ask for them to correct this error and they refuse. I was told that " they '' were not aware all of the forced placed insurance would not be refunded and therefore it left our account with a small balance of roughly {$270.00} which projected a small increase in payments. We were never made aware of this and therefor though payments were being made and made on time they continued to report to our credit bureau and not advise us. When I asked why they never contacted me I was told since I am not Primary they had to call my ex husband first and never got a hold of him. Why did they not exhaust all forms of communication? This account is mine as well and they had ALL of my information including an email address. They neglected to contact me and insist this is not their fault.When you have two borrowers on a note both are responsible and both are to be contacted. But yet they contradicted themselves stating they did foresee the refund amount not being fully refunded and they never stated why they did not contact me. If you look back on my 16 years worth of Credit History there are no late payments. So their breach of duty and negligence has caused issues with my Credit Report and is impacting both my ex husband and I in a negative way. I find this to be immoral and poor business practices. They by all means should correct this ERROR they made and be sure to have our Credit Reports corrected as well.

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 2020-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to SPS from XXXX ( who I thought previously were the worst ) Since then they have redone my escrow twice in three months- last time in XXXX each time raising my escrow ( my payment has gone up XXXX dollars a month. 

They will be sending me a escrow reimbursement for over {$3000.00} dollars ( I like the fact they get to hold on to my money ) When I attempt to pay down my balance early ( paying extra every month ) they hold on to it to deduct it from my payment the following month. 

They also charge me XXXX to process my payment- everything they can do to make your life a little harder they do and take pride in doing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear COMENITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX XXXX  ) ; I was shocked when I reviewed my credit report and found a late payment on the dates below on XX/XX/2022 for 30 days. ( I was in the hospital  for 2 months during that time. ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with XXXX, XXXX  of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank offered then refused to cancel my PMI after my appraisal brought a lower LVI estimate. I've been paying my mortgage every month on time or early. How can a federal law allow a bank to choose it's own appraiser?? Doesn't this give them the advantage if they get a low-ball appraiser? If I had put 20 % down in the first place I would not pay PMI and would't have to add it if my " home value '' lowered. I should be allowed to either lower my PMI rate or cancel it entirely given that the rule only favor the bank

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 2019-11-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I currently have $ 97k+ loans with Navient alone. I am actually currently on a loan reduction program, but I am told that it will keep going up. They tell me that I can afford about $ 800- {$900.00} a month. I can not. Currently I am at $ XXXX/month but even with that, I am struggling. I have been paying off my loans ( after the 6 months grace period ) since XX/XX/2016 and my loans only keep going up!. My loans were at about $ 95K when I started in 2016 and now are over $ 97k+. I am assuming this is all because I am on the loan reduction program. I can not refinance these loans because my credit is too low. Trying to get this company to work out a lower payment plan is like pulling teeth. It took me a month of negotiating to get them down to $ XXXX/month, which I was told was a very special circumstance. However, that monthly payment is about to be up ( I am only on this plan for 6 months before it goes back up ). The worst part is, with doing this rate reduction plan, the interest accrues and my student loan bill goes up. I can not afford the regular price ( I was told it was roughly around $ 1300/month! ) I am swimming in debt. I am on time with everything but I get no where. My sister has gotten a call about a lawsuit with Navient. Not sure if it was a robocall or not or if it is even legit.

Company response to consumer: Closed with explanation