BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX- {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XX/XX/XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet

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 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, XXXX and Transunion.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. 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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

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 2020-09-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of refinancing my home. In Mid XX/XX/XXXX I started the process and my " free on line credit scores '' showed me between 640 and 670. When the two lenders ran my score it came back 599 to 604. I  called Equifax and after many incorrect answers I was told that my " credit risk '' score is what lenders use and that my XXXX score, which they give to me on line is " a close approximation '' of the risk score. On XX/XX/XXXX Equifax reported a score of XXXX. I called them and they sent me my report dated XX/XX/XXXX which shows a score of XXXX. 

I have yet to find a way to get my " risk score '' online. I think the three bureaus thould provide all of my scores upon request..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
Dear sir / madam I received a notification regarding XXXX XXXX  credit card which was not authorized by me

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have notified trans union 3 times about this same issue but they refuse to do their job. I notified them about XXXX XXXX card services, and XXXX XXXX XXXX XXXX This is Fraud and they refuse to remove this. 

I have contacted trans union 3 times about this same issue but they refuse to do their job.I notifies them about, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX There is only XXXX that has a actual phone number and address which is XXXX XXXX XXXX and they said that this is not there problem. No one has proof of any action that I approved of any of these hard inquiries. All of these are fraud and Trans Union refuses to do there job and remove these. Please help they have cost me alot of money in the past years and no one seems to be able to 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 non-monetary relief
Consumer complaint received 2018-02-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted LoanCare approxXX/XX/XXXXfor the exact amount I would need to pay and the process for paying down my loan to remove PMI. 
I sent in {$19000.00} ( slightly more than needed ) and it was appliedXX/XX/XXXX ( confirmed online ). I mailed in a written request to remove the PMI the same day and emailed a written request and called in several times since. I have request call back and email for call backs and no help! Now I have paid PMI for the month of XX/XX/XXXX& XXXX and see no sign of the PMI being canceled or anyone helping!!!

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 2018-09-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I'm not an expert on this and sorry for my english or the way i write. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 -30/60 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 monetary relief
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX balance of {$3000.00} is incorrect. Provided supporting documentation to creditor and reporting agencies validating correct amount of debt. Refuse to look into my documents and continues to report incorrectly to my credit.

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: 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-09-05
Company: EQUIFAX, INC.
State: WA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.

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 2021-01-27
Company: Experian Information Solutions Inc.
State: DC
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:
After submitting my initial Complaint ( ID # XXXX ), I reached out to XXXX  on Monday XX/XX/21 in two separate emails, stating the following : # 1 Im on Social Security and no longer obligated to pay, if delinquent, on a co-signed Student Loan.

Please contact the 3 Credit Bureaus and have XXXX ( a private Student Loan lender ) account removed from my file as soon as possible. Im trying to get a refi loan that was denied, I believe, because of XXXX. 

Thank you for your expedited movement on this request. 

# 2 SSI payments can not be levied or garnished. Treasury 's Financial Management Service can also offset, or reduce, your Social Security benefits to collect delinquent debts owed to other Federal agencies, such as student loans owed to the Department of Education. ( XXXX is a Private Lender ) Generally, debt collectors can't take Social Security or VA benefits directly out of your bank account or prepaid card. 

Their response was : Weve received your inquiry. One of our knowledgeable specialists will review your account and respond shortly. 

There response came to CFPB as a no or rejection, that did not deal with this issue at all. 

Although in submitted Feedback, Im told it would go to XXXX, but they are not obligated to response to that form of communication.

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 2019-03-08
Company: CITIBANK, N.A.
State: DC
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: Overcharged for something you did purchase with the card

Complaint:
Card issuer not crediting funds provided by the merchant. 

Credit issued by XXXX XXXX for {$14.00}. 

It was never placed on customer 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 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion failed to provide documents as requested to verify the accounts being reported. They did not send me any documentation bearing my signature or documentation on how they verified the accounts, or who they verified the accounts with and again DID NOT PROVIDE ME WITH ANY DOCUMENTS confirming the validity of the 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 2020-09-05
Company: Experian Information Solutions 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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. The 30 Day demand to comply was sent on XX/XX/2020.

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 2021-10-07
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the NATIONAL CREDIT ADJUST still remains on my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Ive asked XXXX, XXXX  and TransUnion to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case

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 2022-06-11
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2017, I purchased an XXXX through XXXX, who uses Citizen 's One as their third party partner handling loans for the devices. I was not aware that I would be paying to Citizens One every month, but rather thought it would be XXXX directly. I believe that I got a new credit card and it never got updated with Citizen 's One. My monthly payment to finance my phone has not gone through since XXXX of 2017 and now my account with Citizens One has gone to their collections department. I only found out this information because I called XXXX in hopes to upgrade my phone this year and they told me I have a balance through Citizens One still. I have not received any form of communication from Citizens One. They have not called, emailed, mailed, etc. any notification or bills to me. However, when I talk to them on the phone, they tell me that I owe the full amount of the phone which is around {$860.00}. I asked them if they could please send me an email verifying how much I owe on the loan and they told me they can not email me at all. Their recovery department has told me that they don't report these loans to the credit bureaus and that that is why they can not reach out to me in any form. However, their billing department told me it could effect my credit and to just make sure to pay off the loan, yet they don't know any deadlines or logistics of when and what I have to pay. If I mail in a payment, I have been told that I will not receive any confirmation for my payment. If I pay over the phone, they say that I will receive an email confirmation, however, I'm not sure I trust them. At this point, I am afraid to pay because I don't know if I will get the full confirmation that I feel I deserve. I would feel more comfortable if they could do things through writing rather than all verbally. However, they have made it clear that everything must be verbal. There is no access online because my account has moved to their recovery department and I no longer have access to my account online. My biggest concern is that this account does not affect my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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:
Equifax is reporting incorrect data that has been disputed and not properly verified. They are also reporting an address that does not belong to me and I was told that it would be removed but it has not been removed nor has it been verified. 

The account is listed as XXXX XXXX  XXXX account number XXXX. After sending letters to the XXXX XXXX XXXX and XXXX XXXX  and XXXX have deleted this account from my record. The XXXX XXXX  XXXX nor Equifax have provided me me documents such as business records, an account audit, application or the original instrument of indebtedness. 

I have sent 3 certified letters and responded to a letter sent to me and called on XX/XX/2018.  It was confirmed that my letter was received on XX/XX/2018. I have not heard back from them and it has been 30 days so this needs to be removed from my credit report. I did receive a letter from XXXX that was addressed to someone else. I have sent that letter back to XXXX. I have taken a picture and will attach it to this message.

Company response to consumer: Closed with explanation