BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.XXXX XXXX {$130.00}

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 2020-01-25
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I sent my husband to the store to buy a prepaid Visa gift card so I could purchase prescription glasses online because my current pair were crushed. Instead of picking up a VisaVanilla gift card, the one I usually use for online purchases, he picked up a MyVanilla card. It's personalized, which I don't want. It's reloadable, which I don't want. Instead of a one-time purchase fee, it has a one-time purchase fee, a transaction fee, a balance inquiry fee, a withdraw fee, a statement fee, a inactivity fee, a replacement card fee, a transaction declined fee, and a balance liquidation fee. This is not at all the card I wanted. I needed a one-time use, then throw away card. There is only {$50.00} on the card and that entire amount is going to the company I am buying my glasses from. Not only do I have to wait for customer service to respond to my complaint, though it is my husband 's mistake, I have to pray that I can transfer the balance onto a VisaVanilla card, then wait several days to get it in the mail, unless they have a virtual card that I could transfer the balance to. Then I still have to place the order for my glasses and wait a couple of days to receive in the mail. The entire time having horrible eye sight that prevents me from driving, so I am out of pocket and out of work for at least a week. I am very limited on funds and put what I had on this card. I have no options. Any time or help put towards this matter is extremely appreciated. Thank you in advance. Have a blessed weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion XXXX XXXX XXXX XXXX, PA XXXX Im writing you out of frustration and desperation, your company is reporting inaccurate information on my credit report. Ive sent them multiple validation letters asking how the information was verified. Each time Transunion keeps saying that the information that provided to them has been verified as accurate but will not say who verified the information. Ive sent Transuntion several method of verification request and the ignore each one. 

The account in question is a 2 Bankruptcies Transunion continues to say that the information has been verified as accurate. I know Transunion havent investigated the 2 bankruptcies or verified this information as accurate, if they did they would not be reporting inaccurate information. On my Transunion report it say I filled both Bankruptcies in Florida which is not accurate only one the the Bankruptcies was filed in Florida, the other one was filed in another state. 

From doing my research I understand you all get this public records information from XXXX who is NOT FCRA regulated. On XXXX website they explicitly state XXXX does not match Bankruptcy information to Transunion. How can XXXX report anything to Transunion about a consumer if they arent being recognized as a reporting agency. 


Im demanding that you remove both of these bankruptcies since you are reporting inaccurate information and can not provide me with how you received this information. 

I have a letter from both of the Bankruptcy Courts saying they did NOT provide any credit reporting Agencies or 3rd party agencies with Bankruptcy information, the letter also stated that the Bankruptcy courts do not report to the any of the Credit Bureaus. Please understand my frustration your company is reporting inaccurate information and they arent investigating like they say they are. 

The Bankruptcy clearly has not been verified and needs to be deleted immediately. Im reaching out to you the CEO to insure this is done. Otherwise my next step would be to sue Transunion for multiple FCRA violations. 

If an immediate resolution isnt made within 14 days, Im preparing to file a claim with the FL Attorney General Office. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. The Bankruptcy in question has not been verified and therefore its inaccurate. Its been over 30days. 


Please DELETE this item from my credit reports as it is NOT verified! 




Your immediate attention I would be greatly appreciate.

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 2017-08-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: HYUNDAI CAPITAL AMERICA
State: CA
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 had purchase a vehicles back in XX/XX/2017 and I had know idea that all these hard Inquires will be on my XXXX report. I have wrote many letter asking XXXX to removed all of 11 hard inquires that were listed without me knowing it. When I request my credit reports thats when I saw all of these 11 hard Inquires that I requested XXXX to removed them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B 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 2020-09-07
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:
as previously notified, I am a victim of identity theft

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

Complaint:
I have reviewed my results from the investigation regarding the XXXX/XXXX XXXX Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: Experian Information Solutions Inc.
State: KY
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:
XX/XX/2016-XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help thank you

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 2020-01-25
Company: Rocket Mortgage, LLC
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:
Institution Information : XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Inquiry Reported on XX/XX/2019 I was getting information on a mortgage from Quicken and they said they were not going to do a hard inquiry but only a soft inquiry. They did a hard inquiry and I contacted them to get that removed and they still have not removed it. I want it removed from XXXX and XXXX credit reports, and XXXX  if it's there too, immediately. They did not have permission to do a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2018 my girlfriend and I moved across the country from XXXX to XXXX, XXXX so she could pursue her career with a new company that offered her a significant promotion. After this move my finances were drained from all the expenses involved. I had to use my stipend from the federal student loans I had acquired from the previous semester to cover these costs. This stipend had been budgeted for the cost of my car loan. Having no other option I had to use that money to cover those costs. While in my new city it took until late XX/XX/XXXX to find a decent paying job. During this excruciating process I then fell way behind on my car payments that I had diligently stayed on top of for over two years. The car was repossessed and had been taken THREE HOURS away to XXXX, CA. ( to make matters worse ). After about 45 days I was able to save enough money to reclaim my vehicle. This wound up costing me {$2000.00} that I had to scramble to save. Since this time I have been on time with all payments ( 5 months ) and I believe my positive track record of paying on time for over two years prior to the repossession should speak for itself. These 3 late payments are weighing very heavily on my credit report and hinders me from getting more favorable loan agreements.

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 2023-05-09
Company: EQUIFAX, 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:
I simply asked for an examination of the disputed items since I believed the credit bureaus did not sufficiently look into my dispute. The three credit bureaus ' records show that it was false. The three credit bureaus need to replace the following information from my file because the credit bureau 's inspection was done erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did not authorize these inquiries and never applied for these accounts

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 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In a federal disaster relief area and asked if mortgage can be deferred and added to end of loan. They say only special forbearance and all has to be paid at end of 90 days. What help is that?!

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 2018-09-19
Company: CAC Financial Corp
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/2015 I was out of town eight hours away from home for work in XXXX, Texas. During this 14 day hitch I happened upon a medical emergency. At the time I realized I did not have my insurance card available. I had mistakenly left my credentials at home. I was treated at the emergency room and then told to call back with my insurance information. Once my hitch was over and immediately after arriving back home I contacted the hospital 's department that handles bill pay. I then submitted my information and then NEVER heard back after following up a few weeks later. At the end of the following month I landed on hard times as I was laid off along with six others in my department due to the crash in the oil and gas market. It was then that I lost my ability to pay for my monthly health care costs. Sometime after this episode this bill was released to collections since I had no way of paying being without employment. This derogatory mark is now weighing heavily on my credit and prohibiting me from getting credit to build my credit report up to a more favorable score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are refinancing this mortgage with another company simply because it has been untenable trying to deal with loan servicing company, BSI Financial. The new lender has made multiple request for a Verification of Loan letter from them and thus far they have refused. The new lender has stated we are all set and the only thing left is this letter which BSI Financial is refusing to fax to them. We asked that it be expedited as they have been asking for it for 30 days and BSI Financial won't give us an answer on when they'll send it. 
They first tried to stall by saying the person getting the new loan was in my spouses ' name. The name the new mortgage is in has no bearing on the old mortgage and is just a delay tactic for them to get one more mortgage payment out of us. 
I request they send the fax immediately. 

SECOND PROBLEM : Our insurance covers multiple properties under 1 policy. It took us a month for them to verify. Now we have discovered they paid the entire policy amount instead of the just the portion for this home. Of course, our escrow balance is way out of wack now. This needs to be corrected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: ALLY FINANCIAL 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:
Ally Bank is attempting to re-age and/or change the dates they have claimed my auto payment was lateand this has directly impacted my ability to obtain a mortgage. In report XXXX they report 30 day late payments on XX/XX/XXXX and XX/XX/XXXX. When challenged they changed the dates to XX/XX/XXXX and XX/XX/XXXX. Ally also repeately reports a much higher balance with a 3 month delay in updating the balance. Current balance is not {$19000.00} Ally has repeately misrepresented this account with all three credit reporting 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 2021-10-07
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen had our mortgage and then it went to PHH. Everything was fine at PHH until my bill jumped by XXXX  $ + a month 2 months ago. Checking shows that my escrow went from XXXX $ to over XXXX  $ so i inquired as to why. They said that my property taxes jumped to over XXXX  $ a half year. I spoke to the escrow agents they agreed that my taxes had gone up that much. So i went to my local treasury office and got print outs. My taxes had increased from XXXX $ to XXXX $ a year, not XXXX  XXXX Not only that but payments had not been made from the mortgage company to the treasury office for over a year. The bill there is currently XXXX $ and if it isn't paid this half my house will be open to tax sale. I contacted PHH and they said they had disbursed XXXX $ and XXXX $ to the office. The office shows no record of this. An agent XXXX # XXXX has been in contact with me, but after faxing these documents to PHH and then emailing them to them, i have had no response as to rectification of this issue. Nor notice they have received these documents. If i don't get a quick resolution i will be forced to pay the XXXX $ out of pocket along with the raised mortgage payment and this is unacceptable. Perhaps this is some typo error in the company but i can not wait till this half ( along with fines and fees ) is not paid. I am having issues getting these phone files from emailXXXX XXXX  to the attachment upload, please send me an email addy i can forward them to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is related to the prior complaint from XXXX where Bank of America charged off my account in XXXX claiming they did not know where I was, when they were already collecting from me on an unrelated Bank of America Account which I eventually paid in full. 

They have now issued a 1099 to me for what they claim was the balance they wrote off in XXXX. The XXXX is for {$11000.00} for account XXXX. I had previously requested the original agreement which they could not produce and I am not liable for the full debt as stated on the tax document. 

The debt was discharged by Bank of America in XXXX. They harassed me calling before and after hours and when I complained they admitted their own wrongdoing. 

This is a continuation of Bank of America harassing borrower 's.

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 2021-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a brand new car in XXXX and in XXXX it got totaled? I was working at the time and I lived in Minneapolis and my job was in XXXX so I would get rides and I would walk to and from work most days? I was walking like XXXX miles to and from work and I have had XXXX XXXX  surgeries and a XXXX XXXX and I did pay for it most days? But I had to do what I had to do because I have XXXX kids, rent, and bills? So I went and purchased a car on XX/XX/XXXX a XXXX XXXX XXXX that was {$14000.00} and my interest was {$15000.00} on top of {$14000.00} so the car came to {$26000.00}? Isnt that usurious? I was trading it in last year but the pandemic was a real pandemic for me cause I lost my job on the same do they shut the country down? XX/XX/XXXX. I didnt have money to put down so I went through this company where they sent me a letter for a car program because I didnt have a down payment or good credit so I had to take anything? The finance company is Credit Acceptance and the first car dealer ship that I had ever went to got sued for pushing through car loans knowingly the customer couldnt afford the payment? I want to trade my car in tomorrow to get myself out of this and I want to be able to be done paying them and not owing Credit Acceptance a dime a being able to purchase my truck tomorrow? Please please please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, XXXX , XXXX and XXXX. these companies have not corrected the error.

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