BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion has a duty to the FCRA to report correct and accurate information on my credit report and file. However, they are NOT. TransUnion is reporting 7 inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX and BXXXX XXXX XXXX XXXX XXXXcount ending in XXXX. These include 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. In addition, in accordance with 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. Furthermore, I did NOT give TransUnion written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TransUnion violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 we received a letter stating that the loan servicing for our property ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) was being moved from XXXX XXXX XXXX XXXX XXXX ) to Lakeview Loan Servicing. 

The letter from XXXX said a loan number was still to be determined. We waited on additional paperwork including the loan number to arrive, but by the end of the month we had not yet received it, so we sent in our next payment to XXXX as that was the only payment information we had available. 

Additionally on the paperwork from XXXX stated that any payment made to them within 60 days of the loan servicing being transferred between companies would be accepted without being considered late. 

After we submitted our XXXX  payment, Lakeview 's paperwork arrived, and we assumed the loan payment to XXXX would be provided Lakeview per the XXXX paperwork. Last week we submitted our XXXX  payment to Lakeview.

Now I'm getting contacted by Lakeview Loan Servicing saying that I am delinquent on my loan payments which I am afraid will negatively impact my credit score because it is reported as a late payment. 

Lakeview claims they are investigating where the payment is, but I'm currently marked as deliquent on the website. I attempted to contact Lakeview via their online form, and my requests keep getting closed without any response. When I called, they said there is a " payment investigation open, but they couldn't provide any updates or details. Additionally, they could not provide a tracking number or reference number in order to know that this is actually happening. Based on my other requests being ignored I have no confidence this issue will actually be resolved. 

I also spoke to a supervisor XXXX, employee ID XXXX, from Lakeview Loan Servicing who was unable to assist me as well. 

New Loan Servicer - Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Old Loan Servicer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Finally, I've attached screenshots from my XXXX account showing the payments have been sent out.

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 2021-06-02
Company: EQUIFAX, INC.
State: MI
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 disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX  stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My most recent payment of {$9500.00} on XX/XX/2019 and my XXXX loan has been settled in full.

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 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My card ending in XXXX is not being reported to any of the credit agencies.

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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
They are increasing the APR from XXXX to XXXX that is a big hike and increase and I can not afford it if they decide to increase I am going to be rejecting a change and once the balance is paid off, I want them to remove it out of my credit report completely. I would like a letter stating once my balance is XXXX they will remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As a customer of Regions Bank I have been discriminated against and treated as a criminal with my account and or funds being hijacked and withheld without just cause. I have been denied and threatened with police force several times while visiting the bank in an attempt to withdraw my funds. I have been traumatized and my dormant XXXX has been triggered and aggravated as a result of my life being threatened. 

XXXX a XXXX XXXX XXXX XXXX veteran. 

My accounts have been manipulated and flagged to treat me a fraudster instead of a customer. I have been denied access to withdraw my funds, debit card charge denials, and online services such as XXXX has been maliciously and frequently interrupted which has caused me personal and business conflicts to send money to family and friends and business relationships and or investments.

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 2023-01-18
Company: ERC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/16 - I was scammed by XXXX XXXX. I filed a complaint with the Federal Trade Commission. The FTC and the State of Florida has halted the company at this point and filed a lawsuit. Please see attached link and documentation. 

XXXX XXXX XXXXXXXX

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 2019-03-05
Company: LendingUSA
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I called XXXX XXXX to get help resolving a tax issue. XXXX XXXX said they would negotiate for me. they arranged a loan with Lending USA to pay for XXXX XXXX XXXX services. XXXX  XXXX   then told me that they could not negotiate for me, and so could not provide any service to me. 
Apparently, XXXX XXXX accepted payment from Lending USA for providing no services to me. I complained to Lending USA, informed them that I received no services, that Lending USA would have XXXX to pay if they attempted to collect from me, and if they affected my credit report. Lending USA then sold my phoney loan to XXXX XXXX XXXX, who is now attempting to collect over 6,000.00 from me. lending USA has put a negative item on my credit report. lending USA claims they are not involved anymore and will do nothing to remove the negative item. 
An important, vital refinance of my home is falling through because of lending USA 's negative item on my report. I have a 10 plus year career with the Federal Government, and negative credit report items may cause me to lose my job as well. Consequently, a lawsuit I will file if my name is not cleared could reach into a very high amount of actual damages due to the completely careless and immoral activity of XXXX XXXX and LendingUSA, who worked together to defraud me, and to rip off XXXX XXXX XXXX, and potentially cause irreparable economic damage to me and my family.

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 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 tried to get a XXXX XXXX removed as well as 2 charged off credit cards which I had never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Beginning in XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : 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 I am not sure who is using my name I use to live in XXXX I now live back to 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 2019-03-05
Company: Duvera Billing Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
OnXX/XX/XXXX at XXXX XXXX I made a one time {$200.00} payment with XXXX XXXX, debit card XXXX, over the phone to XXXX XXXX XXXX XXXX. That same day i made another {$200.00} payment with visa gift card XXXX also over the phone. On XX/XX/XXXX {$110.00} was automatically taken out direct from a bank account for my regular monthly payment. 
On XX/XX/XXXX at XXXX XXXX I was charged an additional {$200.00} to my XXXX XXXX debit card XXXX, and without authorization the card was ran and the funds processed leaving my account in the negative. I contacted the financial company and they denied having any knowledge of the double charge and attempted to blame the XXXX XXXX  card company and advised to to confront them on my missing money and the overdraft/ double charge. After contacting XXXX XXXX  support, they sent me the billing statement showing that XXXX XXXX XXXX charged my card without consent for an extra {$200.00} and received the money they claimed was not in their possession and they had no record of. all billing statements and proof will be attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Merchants' Credit Guide Company
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Account status incorrect

Complaint:
XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with Transunion and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a Transunion  alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX Auto Loan account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XX/XX/XXXX. 
XXXX XXXX implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with XXXX. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with XXXX Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XX/XX/XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, Transunion and XXXX. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Respectfully XXXX XXXX are supporting our XXXX XXXX and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is XXXX XXXX violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!

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 2019-03-05
Company: Experian Information Solutions Inc.
State: VA
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 am writing regarding my XXXX XXXX XXXX XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a XXXX XXXX XXXX military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. XXXX XXXX XXXX made no attempts to contact me. I previously tried to download the XXXX on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

XXXX XXXX XXXX reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact XXXX XXXX XXXX and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.

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