BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Since XX/XX/XXXX I have been trying to get Transunion to simply follow the FCRA laws and ACCURATELY report the information that creditors send them. Unfortunately they are mishandling a system built on ACCOUNTABILITY! 
There are 7 student loans from XXXX XXXX XXXX that remain on my account. All of which look like a special XXXX student reported it. I have proved screen shots with accounts numbers so you can go back on your own and double check. 
XXXX XXXX and XXXX are the only Two late payments that are reporting and they are wrong. How the XXXX can I go from being on time one month to 90 days past due in ONLY 30 days! Then the very next it states I was 120 late. This is done on all 7 accounts and is damaging my score only because XXXX XXXX XXXX isnt reporting correctly AND TRANSUNION IS ALSO REPORTING THE SAME NEGATIVE INFORMATION!!!! 
Each time I submit a complaint they claim they will open an investigation and it only buys them another 30 days because they always respond with the same answer. 
This is my final set before I pursue legal action against BOTH COMPANIES because just because one made an obvious mistake doesnt mention the other gets to lie about verification of a debt! Unless they are above the law! Its been 120 days since my first complaint and response. 
If you read the comments on my Report which I screenshot and enclosed they tried to be a smart XXXX and put that FCRA investigation performed consumer disagrees and thats basically a slap in the XXXX face. How did you verify it if its humanly impossible for time to move that fast? Make it make sense or follow the law and remove this still since I have not received ONE signed agreement Or statement of an account that would prove I was ever late paying this company. It even says NEVER LATE on the credit report. Im sick of them playing games.

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 2021-05-05
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A complaint was filed with your bureau. 

The lender stated the error was theirs, however, they refuse to refund my account the amount of money they overpaid the PMI vendor until the PMI vendor repays them. 

XXXX made the error and XXXX needs to refund my money now regardless of their awaiting money for an error they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My wife XXXX XXXX and I bought a car on XXXX at XXXX XXXX in XXXX, CA. I worked with XXXX XXXX to purchase a new XXXX XXXX XXXX. We were paying cash, and he pulled our credit report first without our consent. I asked him why he was doing this because we didn't need credit, and he specifically stated multiple times it was to ensure our identity even though we provided our social security numbers, our drivers licenses, and our identification. He specifically stated after I inquired again why the need for a credit check that it was a soft pull, and that it was to ensure we weren't XXXX and that it was insurance if our cashiers check didn't cash and they could come and collect the vehicle. He pulled our reports without our consent, lied multiple times through my inquiries, and manipulated us into signing a credit consent form.

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 2020-06-09
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an Elan prepaid card from the Oregon XXXX. It has now been declined for the last 48 hours. The web-site is down and when I used the automated phone system, it said the 3 digit security code did not match their records. I have now been on hold for 25 minutes trying to reach a live agent. This may get resolved with Elan, but the fact that this happened at all is poor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

I have tried multiple times times to report the inaccuracies to the credit bureaus and they have remove inaccurate information and they have not complied. 

I will attach driver license ftc report ssn card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted previous disputes to XXXX, Transunion and XXXX on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : XXXX  is the only one who actually addressed the process. Transunion and XXXX   have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. Transunion has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to XXXX  of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from XXXX & Transunion Credit Reports as well a 3 bureau credit monitoring services from XXXX XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.

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 2019-05-28
Company: The Outsource Group, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A company called The Outsourcing Group continuously calls me and leaves threatening messages saying they are going to take legal action if I dont comply about a debt complaint put against me. This most recently happened today ( XX/XX/2019 ). I have no debts to my name and my credit is near perfect. They are lying and threatening me over something that does not exist and I want them to stop. Their number is XXXX. I have no account number with them because I dont have an actual debt.

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 2021-02-21
Company: DISCOVER BANK
State: AR
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:
TWO FRAUDULENT HARD PULLS ON XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
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:
My wife and Myself had a shared Chase MasterCard that originated in XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to financial difficulties, Chase wrote this account off on XX/XX/XXXX for {$12000.00}. 
I received a 1099-C ( XXXX XXXX XXXX ) but my wife never did. Chase was required to send my wife a 1099-C and didn't. I did report this as income on our joint XXXX tax return. 

Because they never sent my wife a 1099, I want this account removed from my credit reports. 

I also want a full accounting of the late fees and charges and interest that were charged to this account before it was written off. I believe we were overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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 am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as XXXX XXXX XXXX XXXX XXXX on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXXXXXX XXXX XXXX and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.

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 2018-02-26
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Beginning on Tuesday, XX/XX/XXXX, the Customer Service team from XXXX XXXX XXXX has called me every day leaving a pre-recorded message that I need to call them. When I call, there is no issue -- no late payment, nothing needed. They advise me of same and we end the call. The next day, I receive the same call again. 
I called them yesterday to make a complaint and to advise that I would be filing a complaint against them with this agency if I received another call from them. 
They called me again this morning. This is harassment.

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 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. XXXX continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called XXXX requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information XXXX continues to report I would like this account removed swiftly from all 3 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 2020-07-03
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:
I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX  thats collecting for XXXX XXXX XXXX saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX  The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas  for fraud and stolen items. Report 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 explanation
Consumer complaint received 2020-07-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 - We closed escrow for our home. 
XX/XX/2020 - Received first mortgage payment notice from escrow company for the amount of {$2100.00} due on XXXX XXXX payable to XXXX  ( Loan # XXXX ) XX/XX/2020 - Received letter from XXXX indicating that our mortgage was sold and effective XX/XX/XXXX payment should be sent to XXXX XXXX for Lakeview Loan servicing LLC. 
XX/XX/2020 - Sent XXXX payment via XXXX online payment to XXXX ( Check # XXXX ) XX/XX/2020 - Received letter ( dated XX/XX/2020 ) form Lakeview loan servicing LLC notifying us that they are the new loan servicing company and the payment for XX/XX/2020, must be sent to them!???? 
XX/XX/2020 - Payment forXX/XX/2020was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 - Payment for XX/XX/2020 was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 to XX/XX/2020 - Received daily harassing calls from lakeview loan servicing LLC for late payment. I called several times explaining their mistake with no results. They have applied my XXXX payment to XXXX, XXXX payment to XXXX. 
XX/XX/2020 - Just mailed XX/XX/2020 payment to Lakeview loan servicing LLC. (  Check # XXXX  ) I have never been late on any payment and now I am considered one month late! 
IT IS VERY UNFAIR THAT I HAVE BEEN WITHOUT WORK OR INCOME SINCE XX/XX/2020 AND HAVE TO CHOOSE BETWEEN GROCERIES FOR MY FAMILY AND MAKING AN EXTRA MORTGAGE PAYMENT BECAUSE THESE TWO LOAN SERVICING COMPANIES HAVE MADE AN ERROR. PLEASE HELP!

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 2021-08-18
Company: Porania, LLC
State: NJ
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 this account that is not mine and i want it to be removed from my credit report. 

1. XXXX XXXX XXXX XXXX XXXX Case Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-05
Company: SYNCHRONY FINANCIAL
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:
XX/XX/XXXX I started a dispute with XXXX credit reporting due to Synchrony Bank/ PayPal Credit card reporting an open account with a {$6000.00} balance that IS NOT MINE. The name and social on this account do NOT match, Ive called Synchrony endless amount of times. They refuse to talk to me since Im not the account holder even though it has my social. Synchrony ended my dispute with XXXX stating that the information on my credit report is true despite the name they are reporting does not match my social. So since XX/XX/XXXX Synchrony bought PayPal credit and messed up and have been reporting the wrong person credit card under my social disregarding the name does not match the social but still have attached it to my report on a monthly basis. I have gotten no where with both companies.

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 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 mine i demand cease and desist and immediately remove from report if not removed will be in violation of privacy act and fined {$1000.00} usd

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of debts and collections have not received a response

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 2020-11-14
Company: Thaxton Investment Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XX/XX/XXXX or early XXXX the company replied my vehicle and auctioned off for 2 times the amount of the loan that was not put towards the debt not will they give me any confirmation of the price it was sold at and still want more money than I borrowed and will not give me any paperwork with my prior payment s or the original agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Regarding complaint XXXX I requested you subpoena the internal email messages to PNC and NOT IMs. There were no IMs! 
They stole money from me- a significant amount! XXXX verified the charge was a mistake! Attorney advises those messages are available on their server! I want justice!

Company response to consumer: Closed with explanation