BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1400.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2019-01-16
Company: CORELOGIC 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 recently noticed an inquiry From CoreLogic/ Credco on my credit file. I never gave permission for them to do a hard pull of my credit. I do not know this company nor any company they are affiliated with. I have attempted on multiple occasions to correct this incorrect information with Credco but they are only responsive on a form letter/automated response basis. They are claiming that they are not responsible for the inquiry yet it shows their identical information on my report. I am preparing to file a defamation of character lawsuit against them here in California and would like it to be known that they are fraudulently accessing and damaging consumer credit files.

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 2023-06-13
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On multiple occasions Ive gone to deposit cash into my account via XXXX CT and XXXX CT KeyBank branches ATM. Both occasions my money was eaten by the ATM. I called customer support and theyve said I wont see my money for 10 business days, causing an overdraft fee to my account. I was told to not deposit over {$100.00} cash into my account to avoid risk of losing it, the last I checked this was a bank backed by the FDIC and I should never face risk depositing {$100.00} into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: HUNTINGTON NATIONAL BANK, THE
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: Account status incorrect

Complaint:
On XX/XX/2023, I contact Huntington National Bank informing them that the 30 Day Late mortgage payment XX/XX/2023 reported on my credit is incorrect. The agent acknowledged that the reason for the late payment was because the missed a digit in my bank account number. I requested that they conduct a reasonable investigation into the accuracy of the disputed information and provide me a feedback which I'm yet to receive. 

On XX/XX/2023, I wrote Huntington National Bank ( certified letter ) formally disputing the accuracy of 30 Day Late mortgage payment dated XX/XX/2023 reported on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under Code 15 USC 1681i ( b ). Additionally, I would like to bring to your attention a violation of the Fair Credit Billing Act ( FCBA ) under Code 15 USC 1666 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I changed bank accounts in XX/XX/2021. I signed up for automatic debit with AES twice. They have not been sending the payments through to my bank. I have made two months of payments using the same checking account. I have two loans and have made a total of 4 payments. AES will not take care of the problem which is on their side of the transaction obviously if I have successfully made payments 4 times with the exact same checking account. I have called and complained several times with no results. They keep calling and harassing me for payment as well as both of my senior parents. This is not acceptable to harass someone who has made on-time payments despite their inability to process a transaction. I am attaching documentation showing the harassing emails for bills that have already been paid, emails proving I filled out the auto-debit twice, and emails showing that the payments have been made successfully using the same checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: ID Analytics, 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:
On XX/XX/XXXX I attempted to open a line of credit, and I was rejected because SageStream, a credit reporting agency with which I've never done any business and never asked to apply a freeze to my account, reported a fraud alert on my credit with them. 

On XX/XX/XXXX, when I was alerted to the reason behind the denial, I attempted to request a replacement PIN through the SageStream web site so I could remove the freeze myself. They were supposed to send a replacement PIN in the mail, but one never arrived. 

On XX/XX/XXXX, I called SageStream on the phone to request a replacement PIN and was again assured it would be mailed to me. 

On XX/XX/XXXX XXXX today ) I received a postal letter indicating that my request to freeze my credit was a duplicate of my request to freeze my credit received on XX/XX/XXXX. On no occasion did I ask for my credit to be frozen : in all cases I've merely been asking for a replacement PIN so I can control the freeze that was placed on my file without my consent. 

SageStream has also XXXX the ability to call and speak to someone directly by phone ; they direct all requests to their inept web site which is singularly unable to process my request for a replacement PIN. I am unable to proceed any further, and SageStream 's unwillingness to help continues to block my ability to request credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: GA
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:
My complaint is in reference to Experian Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Experian department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Experian the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX XXXX  # XXXX ... XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX # XXXX.I was told by Experian according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/ deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Experian the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent matter.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft please remove this fraud inquiry 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 2020-09-21
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Western Union is the financial institution that opperates in XXXX. The problem is that XXXX Americans living un the UA need to help our families there, so se send money through WU in USD and the WU complete the transaccin instruccin CUC the cuban currency that has no value. Why not given our famlies in XXXX USD instead of cuban CUC?  The exchange is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TRANSUNION 's inaccurate reportings of two credit report inquiries ( " XXXX/XXXX  '' & " XXXX XXXX XXXX '' is damaging my credit score potentially impairing my ability to obtain a mortgage loan.

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 2020-07-20
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:
I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, TransUnion, XXXX, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After reviewing my Transunion credit report in XX/XX/2020, I found errors and inaccurately reported information in my credit file. I certified mailed Transunion a notarized dispute letter XX/XX/2020 disputing items in my credit report. I allowed for 5 days for Transunion to receive my letter as well as 5 additional days for them to send me results from their investigation. This was a total of 40 days. I did not hear from Transunion within 40 days nor after 40 days. I should have heard from Transunion between XX/XX/2020 and XX/XX/2020. Unfortunately, I never received any letters or correspondence from them regarding the XXXX dispute. As a result, I mailed a 2nd notarized non-response dispute letter this time on XX/XX/2020 addressing the fact that they never responded to my first dispute letter. As per the Fair Credit Reporting Act, a credit bureau is required to respond to me within 30 days, If they do not respond within this time-frame, they must remove the negative item being disputed. 

When I finally received my updated credit report in response to my XX/XX/2020 dispute letter, Transunion had only deleted 2 negative items. In other words, Transunion never responded to my first dispute sent XX/XX/2020 and when they finally responded to my XX/XX/XXXX letter, the failed to completely comply with the FCRA and remove all of the negative accounts and items I disputed. To date, XX/XX/2020 those disputed items still remain on my Transunion 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 2023-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery called me at XXXX in the XXXX on XX/XX/2023. I didnt answer. Portfolio Recovery called me at XXXX in the XXXX on XX/XX/2023. I didnt answer. I have lived on the west coast for nearly 4 years which is in the Pacific Time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
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:
a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

Experian ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.

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 2022-12-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I won litigation against Wakefield and Associates and they refuse to stop attempting to collect and will not remove the debt from my credit report as stipulated in the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX I XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-07-22
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I thought my mortgage company was in the process of getting me a loan modification and I found out that my home had been forclosed. They never told me that my home was sold or anything. All they told me was to send in more paperwork for the loan modification. I still have n't received any information in the mail about my home bein sold. Loan modification was started in XX/XX/XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22.00} XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXBalance : {$22.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened a savings account with XXXX by Goldman Sachs on Monday XX/XX/2022 Transferred {$500.00} and {$250.00} on XX/XX/2022 Transferred {$800.00} on XX/XX/2022 Transferred {$450.00} on XX/XX/2022 Transferred {$150.00} on XX/XX/2022 XXXX by Goldman Sachs Savings account is temporarily locked and provides a number to call. 

I call for them to tell me that they closed my account and couldn't provide a reason for it. I asked who I can contact for my funds to be return or when they would be return and they told me they didn't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hello, I am struggling to return/buy out my lease with the amount listed on my contract. Ford will not allow me to trade in the car, my only option is to get another Ford or buy it out, however to purchase the lease it would cost {$3000.00} plus in taxes and fees extra which completely wipes out my equity. When trading in a car you don't have to pay tax. You can not physically trade in your lease for the buyout amount stated on the contract or any other vehicle dealership. You must purchase it from the original dealer and pay taxes and dealer fees, and registration giving a car with equity back to them. They are doing this because the chip shortage brought up the price of used cars. They want you to turn your car in so they can own it at the residual price. These are currently my only options. All of these situations work out in Ford 's favor so I am surprised they have gotten away with such anti consumer practices for so long since most manufacturers allow you to trade in leases anywhere. I spoke to numerous Ford XXXX representatives and they stated that if we traded the car in prior to 120 days we could trade it in or buy it for the amount on our contract. However we are past the 120 days and now we have zero options. No where in our contract does it state anything referring to a 120 day stipulation. This is all a result of Ford changing there process to make profits out of the chip shortage. Leaving the consumer with no other options. I feel trapped as a consumer. We now have to pay additional fees just to buy a car we do not want. This in the end is going to cost us more money. During a recession this is completely a deceitful practice. It is predatory lending to the consumers. The Ford customer service rep acknowledged this predatory behavior but informed us that there was nothing they could do about it.

Company response to consumer: Closed with explanation