BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
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: Problem with personal statement of dispute

Complaint:
I need to know the name of the furnisher of the information or the vendor that collected the information from a public record source, that reported to TransUnion that I have a bankruptcy. 
I am not disputing, nor asking for accuracy of the bankruptcy. 

Please answer that one question plain, clear and simple.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cosigned for my niece, so she could move into an apartment the XXXX school year. I have not been on any of her leases since. XXXX XXXX XXXX, XXXX has been trying to collect a debt invoice from the 2017-2018 lease, I am not on that lease. Further more the amount they are trying to charge is twice as much as stated in the lease, which would invalidate the invoice also. 

I have talked to XXXX XXXX XXXX, XXXX, they have put my case on hold in XX/XX/2018, but have recently ( XX/XX/2018 ) reported the debt to the Credit Bureaus. XXXX XXXX XXXX, XXXX today ( XX/XX/2018 ) says it is their " Right '' to put the debt on my record even though it is " Under Investigation '' with them. 

On XX/XX/XXXX XXXX XXXX XXXX, XXXX said they would send me all documentation they have about me, they never did, and now refuse to give me any further documentation about the debt ( they hung up on me during the phone call this morning ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2018 ... received a denial letter from XXXX XXXX for request of credit ... XXXX denial, aware of due to credit freeze on all three credit reporting bureaus. In addition to XXXX, denial by XXXX  , XXXX?????? Who is this?????????????????????? We have had a credit freeze on the three agencies we are aware of and instructed to freeze to avoid identity theft - have NEVER heard of this XXXX? In addition to the surprise of finding this company, they have our credit score at XXXX of a XXXX high score!!! Really shocked now! We have had credit for over 40 years - owned 16 homes, multiple auto and revolving loans - NEVER paid late in all those years! The reasons for this score are absolutely absurd!! These credit bureaus need to reflect credit history on someone's social security number and years of credit! We have been in the mid 800 's for years and years on the other agencies. This company should NOT be allowed to be in our business without notification.

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 2020-06-03
Company: Monterey Financial Services LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked for validation of this alleged debt many times. This was attached to my credit report in 2017. I have disputed this matter many times and have not gotten a response. I now see the status of this alleged debt is : " Dispute resolved by grantor. '' I never got any response in the mail regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: TN
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 HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT DOES NOT BELONG TO ME THEY HAVE NOT FORWARDED ANY INFO OR PROOF THAT THIS ACCOUNT IS MY ACCOUNT THIS IS HOLDING ME UP FROM MOVING FORWARD WITH MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  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 2020-06-03
Company: Caliber Home Loans, Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called Caliber Home Loans on XX/XX/XXXX about the payments that was made for the month of XX/XX/XXXX. I attempted to make my mortgage payment to Caliber Home loans on XX/XX/XXXX and on XX/XX/XXXX for XXXX 's payment. I've been with Caliber Home Loans for the last 5 years and make payments the same way each time. My payment accounts are saved in Caliber 's payment portal and when I login, I choose which account to draw the money from. Both times, Caliber kicked my payments out and charged me {$15.00} each time for making payments. The rep XXXX, Employee ID XXXX, stated the banking information is wrong in the system and insisted I double check the banking information. I explained to XXXX that the banking information in Caliber 's system hasn't changed since I've been with Caliber and requested him look into this. After 30 mins on hold, he stated there is nothing he can do for me and the fees will be charged because the banking information is wrong. Caliber Home Loans is wrong in lying about my banking information being wrong and charging me those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: AR
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:
Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my  employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and Equifax as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, 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:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 making this complaint about the credit reporting agency Transunion. I had an account/auto loan that was on my report with XXXX XXXX XXXXhat didn't belong to me and was completely inaccurate. The account was successfully removed on XX/XX/2021 after multiple letters sent with proof of the account being unrelated to me. On XX/XX/2021 the account that was removed was reinserted on my Transunion report ILLEGALLY. As required by the FCRA, the CRA must send me written notice of the reinsertion within 5 days. The mark was removed and I have sent prior letters informing Transunion of this and I have not received any response or have had the item removed from my file. I am now making this a legal matter and am prepared to take this up with an attorney and sue for damages by Transunion. Please remove this immediately, as I will do what I need to in order to protect my rights as a consumer.

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 2020-05-20
Company: Experian Information Solutions Inc.
State: AK
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:
My account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, Experian and XXXX  are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct 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 2020-11-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/20, I was denied access to my online log in. I received the message, trouble logging in? I followed the prompt to resent password and was informed my personal information did not match the information on file. On XXXX I called the company 2 times. I was hung up on after speaking to the robot. Then I spoke to a multiple reps who transferred me to an IT rep. I was on the phone for nearly 45 minutes. I hung up because I had to work. I then contacted live chat 4 times. They recommended the same interventions each time, and each time it failed. I called CITI on XXXX. I was hung up on the first time. The second time I spoke to a representative who informed me he neededto transfer me to IT. He did so and then they hung up on me again. I am now online with chat for the fifth time. I have wasted hours of my life to log into my account to be sure I pay my bills. This company is a menace and has no semblance of IT support or customer service. Please intervene.

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 2021-04-09
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar bank is trying to charge a " property valuation fee '' to remove my PMI, though I have paid more than 20 % of my home 's original value. Flagstar bought my loan from another company, who did not have this policy in place. 

On XXXX XXXX, 2021 my husband sent the letter requesting PMI be removed. 

I called about 10 days later to check in. They had received my letter but not made a response, and said I would receive a letter. 

On XX/XX/XXXX, I called again. They emailed me the letter, whereby they asked for {$150.00} fee mentioned above. I verbally disputed this on the phone call and asked to see where I was obligated for this fee, as I had met my obligations by paying down 20 % of the original value. The clerk said I would receive a phone call from the proper department in 3 days. This phone call never came and they did not provide the original disclosures from the initial loan originator justifying the fee. 

It is unfair and unethical that Flagstar charge me for what I'm entitled to, and XXXX, to drag the process out, all the time collecting PMI after I asked to have it removed, which should have occurred on the XXXX statement.

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 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 have a number of inquires on my credit report that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XXXX XXXX to get a correct statement on  tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe TransUnion and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.

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 2018-10-16
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by a collection agency regarding a collection account for XXXX utility company, an account not opened by me but by my mother without my permission. They would not let me dispute the claim even with all of the evidence to support that I didnt not open the account. I was aware of the address used on the account because I had lived there while in high school. The account was opened while I was away for college. I told them not to contact me, as my mother agreed to be responsible for the payment. They were given her contact info and told to contact her not me. For the past two weeks, they have called me everyday at XXXX. I answered one time and the man on the phone was trying to force me to pay after explaining the situation and telling him to contact my mother and not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was a victim of Transunion 's inquiry issue. I have two inquiries with Transunion that I did not approve, I need these removed. I contacted Transunion and was not successful in submitting a dispute with them. I need the following inquiries removed from my file : DEPARTMENT OF EDUCATION dated XX/XX/20 and XXXX dated XX/XX/20

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 2021-04-09
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020 a charge appeared on my chase credit card from XXXX & XXXX XXXX, an electronics store in XXXX XXXX XXXX for {$850.00}. I live in California and have never shopped at XXXX & XXXX. I reported the charge as fraud and it was removed. 

Chase performed an investigation and deemed the charge not fraud and added it back to my account in XXXX. 

I contacted Chase and they said 1. The purchase was for a bunch of computer processors ( not something I have ever purchased ) 2. The purchase was shipped my home address 3. The purchase was signed for at my home by XXXX. The person who signed for the purchase used the name XXXX XXXX ( that is not my name ). 

Because the shipping address matched my address they said it was not fraud even though I did not order this item and I was not the person who signed for it. 

I contacted the merchant and they provided me the email address used to make the purchase ( and where the receipt was sent ). The email address was NOT my email. 

I have provided Chase with these details but they continue to believe the charge is not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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 writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC XXXX report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge.. 

XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
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: Old information reappears or never goes away

Complaint:
In XXXX XXXX XX/XX/XXXXXXXX had originally put this account as being late. After disputing with the credit agencies XXXXXX/XX/XXXXXXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXX XX/XX/XXXX XXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.

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