BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On [ XXXX ] I disputed two accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was informed with a letter dated [ XXXX ] that the items were deleted from my credit report. Now upon recently checking my credit report I have discovered that the items has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the items from my credit report in order to avoid legal action.

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 2018-10-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each 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 2023-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inquiries on my credit file which i have no knowldge of i wish to have these deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX at the XXXX arrived in a world after XXXX Iam having trouble to paying a Mortgage because XXXX having A XXXX XXXXXXXX my doctor said the XXXX is very dangerous for me and only my husband working XXXX seeing in a news the government approve assistance for home owners with forbearance assistance XXXX call a M & T Bank and M & T bank said ok we are here to helping home owners sending a letters approved and told me Im have options to pay $ XXXX or {$600.00} dollars a monthly payment at the first month we dont paying nothing but a the next month we pay {$600.00} dollares every month XXXX call last year in XXXX to a M & T bank and XXXX ready to making modification and M & T and promise me we paying owed at the end the mortgage and promise me modification and now the M & T bank request the all money and trying to take my home because XXXX divorce and my ex husband give me his portion at the divorce because XXXX always taking responsibility for pay my house my ex husband apply at the court with me for a new deed he give his portion the house so now Im only in a deed in XXXX when my husband and me buying the house both of them deed but his only in a mortgage

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 2018-07-21
Company: JH Portfolio Debt Equities, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : JH PORTFOLIO DEBT EQUITI INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

JH PORT DEBT {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX JH PORT DEBT 12 XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details JH PORTFOLIO DEBT EQUITI XXXX XXXX XXXX XXXX XXXX, MO 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 2023-01-11
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
No matter how on time or how much I pay the payoff never changes, 4 years still owe the same amount they are holding my title and title loans i thought were illegal in NC please help my nightmare, im on XXXX and an being taken advantage of at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AK
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:
Under the federal CARES Act, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before COVID-19, your servicer must report your loan as current even if you are not making payments. 

I entered into a mortgage assistance program with the XXXX XXXXXXXX XXXX XXXX due to being out of work during beginning of COVID. I was approved.

3 payments began. Cardinal financial placed me in loss mitigation. 

The first payment of three by XXXX ( mortgage assistance provider ) of {$1900.00} was made on XXXX XXXX XXXX. 
However, I paid {$1900.00} on XXXX XXXX XXXX from my checking account. 

My auto pay was shut off unknown to me at this time and I am responsible for overlooking this. However, prior this time I had XXXX ( zero ) delinquencies. 

The second payment On XXXX XXXX {$1900.00} was paid. Auto pay had been shut off so I did not have a withdraw from my checking beginning in XXXX. 
-- - At this point XXXX, XXXX, XXXX, were paid and up to date. However, XXXX and XXXX Cardinal Financial received XXXX ( zero ) funds due to auto pay being shut off unknown to me. 2 payments. 
-- - The third payment was made on XXXX XXXX, XXXX for {$2000.00}. In XXXX, upon discovering what had happened to my account I paid what was delinquent and asked to be removed from loss mitigation 's grasp and in XXXX I paid the remaining delinquencies. I have not been removed from loss mitigation despite almost 45 days going by and now discovered. 
-- -- Cardinal sent my lack of payments to different credit bureaus, which according to the CARES act is not allowed. They claim I do not fall under the scope of the CARES ACT 's silence on payment history.

Please help me get my credit score back up and to have them recant their reporting as an error on their part.

-- =

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 CONTINUE TO TRY TO DISPUTE INFORMATION, ON THE TRANSUNION WEBSITE, BUT WHEN I ASK TRANSUNION REPRESENTATIVES, AFTER GOING THROUGH THE DISPUTE PROCESS, AND UPLOADING DOCUMENTATION, IF MY DISPUTES WERE RECEIVED, TRANSUNION STATES THAT THEY DO NOT SHOW AS INITIATED OR RECEIVED. THEREFORE, TODAY, A TRANSUNION CHAT REPRESENTATIVE INITIATED THE DISPUTES, FOR ME, BUT NOW, ALL OF THE SUPPORTING INFORMATION WILL NOT BE WITHIN THE DISPUTES... SUCH AS THE INFORMATION, FOR WHICH, I NEED TO INFORM THE COMPANIES, NOR WILL THERE BE UPLOADED DOCUMENTATION, TO BE PRESENTED TO THE COMPANIES. I WILL UPLOAD THE DOCUMENTATION, UPON THE CFPB WEBSITE, WITH THIS COMPLAINT ; I NEED FOR THE COMPANIES/CREDITORS TO RECEIVE THE UPLOADED SUPPORTING DOCUMENTATION. 

THERE ARE THREE COMPANIES/CREDITORS WHICH HAVE BEEN REPORTING PAYMENTS, AS XXXX DAYS LATE, WHEN THEY HAVE NOT BEEN XXXX DAYS LATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE BEEN REPORTING AS XXXX DAYS LATE, WHEN THE PAYMENTS WERE NOT XXXX DAYS LATE. I HAVE BEEN ATTEMPTING TO DISPUTE THE COMPANIES. FOR EXAMPLE : XXXX XXXX XXXX PAYMENTS WERE MADE ON XX/XX/XXXX, FOR XXXX PAYMENT ( BEING REPORTED AS LATE, WHEN WAS EARLY ) AND ON XX/XX/XXXX, FOR XXXX AND XXXX 'S PAYMENTS ( MADE, TOGETHER ). XXXX PAYMENT WAS LATE BUT NOT XXXX DAYS LATE, BECAUSE THE PAYMENT WAS DUE, ON XX/XX/XXXX. XX/XX/XXXX PAYMENT WAS EARLY, BECAUSE IT WAS MADE ON XX/XX/XXXX. THUS, XX/XX/2022 AND XX/XX/2022 ARE BEING REPORTED AS XXXX DAYS LATE, WHILE XX/XX/2022 PAYMENT IS BEING REPORTED AS XXXX DAYS LATE. 

XXXXXXXX XXXX XXXX  IS REPORTING XX/XX/2022, AS XXXX DAYS LATE. THE PAYMENT WAS MADE, EARLY, ON XX/XX/XXXX. XXXX 'S PAYMENT WAS MADE ON, XX/XX/XXXX, THEREFORE, THE XX/XX/XXXX PAYMENT WAS FOR XXXX PAYMENT. THEN, XXXX XXXX XXXX BEGAN MAKING MY FOLLOWING PAYMENTS, WHICH WERE BEING REPORTED AS LATE, BUT THE REPORTING WAS CORRECTED, TO REFLECT AS, " CURRENT '', FOR ALL OF THE MONTHS, IT WAS INACCURATELY REPORTING, AS LATE. IT REMAINS, ONLY XX/XX/2022, NEEDS TO BE CORRECTED.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. Transunion, XXXX  and XXXX. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.

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 2018-07-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
l was traveling abroad and went to a restaurant/bar. The bill was high, but since this was in XXXX I approved a transaction for {$520.00} on XX/XX/2018. This charge never posted in my account. However, 8 charges totaling {$3600.00} posted on my account under a different name in XXXX XXXX XXXX, but with a merchant called XXXX. 

Citi fraud department gave me credit for the fraud transactions ( XXXX 's statement ), but they reversed the credits a month later arguing I had provided my card details to the merchant. ( Because I mentioned the transaction that didn't post ). They also said that even though the charges were for a place called XXXX ( which I never visited ), this business belonged to the same company that I went to, which name was XXXX and that's why they reinstated the charges. They also said I didn't reply to the investigator when he attempted to contact me. I didn't reply to a phone call that I found out was from the investigator, because it was not a call from a bank number. I searched this investigator 's number on the internet, and the description showed as a spam number and not an official Citi line. I did reply in writing and by email responding to the questions they asked. 

Since Citi fraud reversed the charges, the investigator referred me to the Billing disputes department, and told me they had to handle the case because they do not consider it fraud. Billing disputes was able to get a hold of copies of receipts of the transactions in question and asked me to provide a response about these receipts. I responded stating that the signatures in those receipts were not my signature. Not only they were not mine, but they were all different. Billing disputes said that since the signatures were not mine, this was fraud, and the fraud department had to credit me for the unauthorized charges. The correspondence from Billing disputes to Fraud department states I declared my card lost or stolen, which I never did. I said there were unauthorized charges. 

I have been back and forth with this two departments without a resolution. It says I am not liable for payments for unauthorized charges on my account, but Citicards is keeping me in a never ending loop that is not getting a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I'm trying to file a dispute against a merchant, XXXX for a purchase on XXXX, in the amount of {$98.00} that the merchant itself isn't taking care of and neither is barclay. I've tried to dispute first with XXXX because the order was some how lost and I've cancelled and they wouldn't, then I've tried to refund since it's misplaced and not delivered to me, no one is helping. I've then tried contacting barclay and they won't even help. Due to this XXXX, XXXX  generation of employee 's and incompetent companies, I have to come to 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 explanation
Consumer complaint received 2016-10-27
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had my loan down to about XXXX and nationstar put forced insurance on me for XXXX doubling my loan, i faxed them copies of my existing insurance neverresponded, that was in XXXX now in XXXX they are adding forced insurance again of XXXX they now say I owe them XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, INC.
State: HI
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 disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Account # XXXX On XXXX the XXXX I was hit with two over draft fees. My balance currently XXXX, XXXX of fees. Consisting of {$34.00} each. I contacted XXXX and was informed that fees could not be waived manually, but he could submit for a review and they could possibly be reversed. The agent also stated I could callback within 24 hrs to check on status. The same night I called back and I request to speak to a manager, the manger proceeds to inform me that I had to wait XXXX chance of it being reversed. On XXXX XXXX, XXXX I call in the morning to check on status, rep and manager inform me that this is not a process or company policy. I was deceived by a representative and a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to unfreeze my credit with Equifax through their online portal and automated phone solutions several times in XXXX, XXXX and in XXXX of 2020. 

The message on their portal is : " We are temporarily unable to complete this request. Please try again later. '' Each time, the process failed online as wlel as through their automated phone system. The only option was to talk to a live customer service agent during specific business hours ( eastern time ) who indicated that I would have to call in and talk to an agent to unfreeze my credit report. 

This appears to be a deliberate attempt by Equifax to limit the ability for consumers to unlock their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are two collections on my equifax report, one in the amount of XXXX and the other in the amount of {$140.00}. I have disputed both accounts online. Both accounts still remain on my credit profile. These accounts have no address or phone number on file to contact the company direct. There are also no names listed for the companies. I have no knowledge of these accounts. Please delete these accounts from my profile.

Company response to consumer: Closed with explanation