BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( CREDIT PLUS XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 XXXX XXXX XXXX used my social without my authorization. XXXXXXXX XXXX  Is another company and CREDCO. Also XXXX XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.

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 2021-11-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Noticed on credit report XX/XX/2021, {$12000.00} opened XX/XX/2021 and reported on my credit report as a collections account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making consistently bi-weekly payments with my mortgage servicer 'Mr. Cooper ' dating back to XXXX, but recently an 'adjustment ' has shown up on my statement titled 'Forbearance Adjustment ' that has caused an underwriter for my new home to question my payment history and has delayed my loan acceptance. I called their customer service department on XX/XX/XXXX and advised them of this issue and they did confirm verbally that I was never in forbearance and never applied for it, but refused to remove the forbearance adjustment from my account. I then followed up with an email that day to their research department at XXXX per direction of their customer service team and still have not received a response. 

This is not an accurate record of my payments made and does not accurately reflect my consistent monthly payments that have been made in accordance with my agreement. Reporting this way on my statements has negatively impacted my ability to apply for my next family home and has caused me significant extra work to prove to my new lender that I do make consistent payments and never apply for forbearance. 

I can provide copies of all correspondence as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.

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 2017-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had bank with XXXX then I started to notice transactions that where not made by me in other states never explained why and never credit back to my account then my account was link to someone phone and personal account they couldnt explain what was going on just excuses that it was my fault then open another account without my consent and unblocked overdraft protection and didnt tell why they did it many many questions not answered plus receiving scam email threatening emails and phone call XXXX claiming to the IRS police saying I have a warrent for my arrest

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 2017-10-27
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all. 
Now Caliber is pursuing me in the courts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Cash Express, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I got a title loan in XXXX XXXX cash express ; in XXXX was quarantined due to XXXX & in middle of ice storm. They cant take pymts over the phone. They told me since Im out of state I can do XXXX bill pay but they have no corporate # so bill pay cant be done. You are asked to send money in name of cash express workers name which cost from $ XXXX {$16.00} per month : theyve been harrassing & threatening me since XXXX when I had XXXX and they cant take a debit pymt over the phone they wanted me to get out in spite of CDC warning nor could anyone make it to XXXX due to ice storm so they received pymt a little late due to it being mailed. I cant even find a legitimate business license for this company they have no corporate ID for bill money pymt and its unfair to send to just a workers name and make extra fees be of, ive asked the owner to call me ( XXXX ) and he said since Ive made complaints no one could speak to me, the harassment is getting out of hand they tried saying XXXX pymt was {$1.00} short when a worker gave me the amount at XXXX money Srvcs XXXX KY THE WORKER HEARD AMOUNT AND MONEY ORDER MADE AND SENT OUT now they say it was a new worker she erred and its my problem to fix. I live on a XXXX check. Have had 2 title loans in the past out of state o SC & they were paid off and easily paid with a legitimacy to the company. Something is wrong when a company cant provide you with a license # or corporate ID. I have proof of all pymts made. My original loan stated {$100.00} ... .since XXXX XXXX incident it goes up every month causing undue hardship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom this may concern ; I just try to see what is going on with my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Social security 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 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently

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 2022-04-01
Company: Incomm Holdings Inc.
State: CA
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:
Purchased a {$50.00} XXXX XXXX XXXX for a relative on XX/XX/2021, when the relative went to use the card he was told that there was no balance left in the card. He ended up calling the Vanilla card company and was told that the card had been used at a XXXX store in XXXX Texas. The relative lives in XXXX CA. He gave me back the card I ended up giving him the cash and told me him that I deal with Vanilla  company. I contacted the Vanilla card company they sent me an email with information to be completed which I did and sent it back to them via email on XX/XX/2021. I was told that it will take anywhere from 45 to 90 days for resolution. On XXXX XXXX I contact the Vanilla card and was told that it was still under investigation. Every time I call they say to call back in 48 to 72 hours. When I call back they always give me the runaround, I read all the complaints against them and very surprised that his company is not under investigation. Many people have lost their money. I'm a senior citizen and this is money that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I submitted a request to Transunion to review the new credit law information for removal of Public Records that was introduced in XXXX XXXX. Instead Transunion launches a investigation into XXXX XXXX XXXX XXXX Tax Liens being reported on my credit report. The results came back from Transunion as being verified but I received No proof of how or with whom the Tax Liens were verified. I contacted my Clerts Office here in XXXX Alabama and was informed their office DOES NOT report any information to credit bureaus ... the new credit law states The credit reporting agencies agreed to remove new or existing tax liens and judgments that dont contain at least XXXX out of the XXXX pieces of identifying information. Neither of The ( XXXX XXXX Tax Liens that are reporting on my Transunion file contain at least XXXX identifying pieces of my 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 2020-12-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: HW Holding, 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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.

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 2021-05-19
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX had noted that our home equity was paid off and that they were going to send the satisfaction of lien to my county records department. As of XX/XX/XXXX this still has not happened and Im yet again told to wait another 10 weeks for the lien release to be recorded. They have screwed me out of refinancing at an extremely low interest rate not once but twice. I am frustrated. I would also like to note that Dovenmuehle Mortgage services the loans for XXXX XXXX XXXX so I was told yesterday from XXXX that since the loan is paid off they dont deal with the account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it 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 2015-04-22
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last few months I have been receiving phone calls from Diversified Consultants who have been looking for a " XXXX XXXX. '' I am not and do not know anyone by that name. However, they continue calling my phone number even after I have told them to stop calling. Please do something about this company to try to stop them from calling me. I will also send them a cease and desist letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TD Bank via their hired law firm, XXXX XXXX XXXX, refuses to negotiate in a remaining balance of a debt incurred by an estranged spouse. 

Reps from the law firm has suggested my credit will remain damaged and are attempting to continue to collect interest as opposed to accepting a fair and complete settlement offer. 

Further it should not be legal for them to not disclose who owns this debt. Is it TD Bank? Is it XXXX XXXX XXXX? I have no idea who has bought or sold this debt and who owns it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt that should have never been sent to collections. I owed some money to a hospital i did not know about, when i did i called the hospital and paid the debt. Even tho i have paid this has been added and removed to my credit report multiple times, but it still keeps coming back. COMMONWEALTH FINANCIAL just keeps adding it back after it gets removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, We are experiencing a huge issue with credit report for Transunion. Credit ran on XX/XX/XXXX ; Transunion states suppressed ; lending company and myself have called multiples from XX/XX/XXXX to now daily and have had issues getting a hold of an actual person, them giving us incorrect information, constantly hanging up before finishing the call, once given correct information can not confirm if information has been received due to issues listed. I am currently in escrow as of XX/XX/XXXX and am at risk of losing his deposit of {$3500.00} if we do not get this issue resolved within the next few weeks ; I will be out of escrow on XX/XX/XXXX and will lose deposit due to this issue. 

My lending company had to call the credit company they use to pull to be able to get accurate information such as mailing address and what to send to company. Also Transunion could not explain to me why credit report for that company states " suppressed '' they did not help or get me answer for that at all. It was my lending company that told me my client was " frozen '' and gave me information and what was needed to be sent via mail. Transunion had been telling me i can send it via fax and then never provided fax number only to find out that they do not do fax they only receive documents via mail. 

I have never locked/ froze my credit so do not understand why Transunion would do that. 

Please advise as this issue is extremely urgent and costly. 


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 explanation
Consumer complaint received 2021-11-09
Company: The Bureaus, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both XXXX XXXX and The Bureaus Inc. in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX, XXXX or The Bureaus, Inc the alleged amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.

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