BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report.XX/XX/XXXX XX/XX/XXXX # XXXX {$680.00} XX/XX/XXXX# XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$360.00} XX/XX/XXXXXXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}

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 explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 continues to report inaccurate, unvalidated information to my credit file. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be 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 2020-11-10
Company: EQUIFAX, 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:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XX/XX/XXXX XX/XX/XXXX # XXXX {$680.00} XX/XX/XXXX# XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$360.00} XX/XX/XXXX XXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Problem getting your free annual credit report

Complaint:
Transunion is forcing me to send a form or call for a copy of my credit report, this is unacceptable when I was recently denied credit for a XXXX credit score, this is far below the XXXX XXXX score that my 3rd party monitoring XXXX reports. So transunion is reporting an incorrect score when I apply for credit, likely providing an older report. I am working on rebuilding my credit and part of this is taking out new loans and credit cards. I expect my bankruptsy to drop off in XXXX and am working on getting a good payment history with multiple accounts. 

Note, XXXX is stating that they are providing weekly reports but with their systems being problematic I have been unable to get these from transunion. 

We need a consolidation and better control of these credit reporting agencies. In addition I have had multiple issues the past few months not just with pulling my annual report but adding and removing freezes with Transunion. I beleive this is IT/System infrastructure based. 

Transunion needs to fix their free systems, I feel these troubles are a way of upselling consumers to their paid credit monitoring, this is clearly a bait and switch scheme.

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 2018-01-30
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:
The following list below is all the Hard inquiries that are still showing up on my transunion credit report even though they were all removed a long time ago - I have been a victim of the " inquiry issue '' that Transunion has experienced and as a result have had all these inquiries remain on my report after repeated attempts to make it clear I wanted them removed immediately. 

I will pursue this to the full extent of the law as per section 611 in the credit reporting act they never notified me that these inquiries were going onto my report so i want them removed immediately. 


XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX   XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX Don't have anymore info and I dont remember this company at all. 

XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX XXXX, UT 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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the 1980 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them 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 explanation
Consumer complaint received 2021-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery makes numerous harassing phone calls to me about a debt that is past the statute of limitations in WA state, the debt is over XXXX yrs old and is no longer recoverable. 
I have informed them of this and asked them to please stop calling me, and they will not stop, and call my number sometimes several times a day. 
I am also XXXX and these harassing phone calls meant to intimidate me are affecting my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter on XX/XX/XXXX with a bill attached ... I called the company to send me out validation that this my bill sign signature ... well the rep dates was off she said I got this letter sinceXX/XX/XXXXwhich I am uploading a copy then she stated I went to XXXX XXXX hospital this was not the hospital bill it's the dr.bills & I kept asking her to validate it send me sign signature she said when they requested the sign signature this was all they was sent that I didn't sign ANY paper work ... also that violates my hippa rights cause you validating over the telephone never verify any information, then I get a letter with all the procedures, never did i once get a letter letting me know I had the right to dispute this bill I will enclose what they sent me they will not validate this bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching the investigation request that my husband and I sent in to the credit bureaus on XX/XX/XXXX. They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.

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 2019-10-10
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been with quicken loans for years. I am selling my house to my daughter and I have found another house to buy. I was pre-approved and at no time was I. told there was a problem with finances. I submitted my social security XXXX and also my long term XXXX through my work I was at for 20 years. No problem. I have paid to have an inspection on the house I am buying, {$500.00} to quicken loans and {$2000.00} to paint the outside of. my current home So I could sale it. I have done all paperwork, including insurance policy and we are supposed to close XX/XX/XXXX. For the last 2 weeks they have been telling me they had to have a letter from XXXX XXXX saying I would receive this income for 3 years. No one can guarantee ( XXXX or not ) if they will have the same job or paycheck for the next 3 years. No one. My credit score is XXXX and I personally think this is discrimination against me. Please help me because on. XX/XX/XXXX I will have no home. The man selling his house to me has also spent a lot to make repairs on the home I am buying from him. Does this mean I can never buy another home because I am XXXX? Please help me. I am selling my home for {$80000.00} and buying the other house for {$110000.00}. If I don't reinvest the money into a new house It will be turned in as income and I will lose all equity paying taxes. Please help me. I don't have long and even though it has gone this far the loan officer called this morning and said if I don't prove the income will last 3 years I can not get my house. Again, no one can guarantee that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account on Saturday the XXXX of XXXX, due to me being underage at the time when I opened the account in XXXX, which I understand, however I would now like my money back please, as it is punitive toward me to wait for 180 days, especially when the money isnt for selling any goods and came straight from coin base, there should be no hold on my money whatsoever, as there are NO buyers involved, please let me withdraw my money within the next week, I feel appalled at paypals service and I felt saddened and betrayed when I couldnt withdraw my money as I need it for important things, etc gas money, food and bills. Please understand my situation and work WITH me PayPal by allowing, e my own money which ISNT FROM SELLING GOODS and is from coinbase so NO buyers are involved Regards PayPal Email address - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting that my XXXX XXXX Account is reporting a 30-day late payment. Whereas XXXX XXXX mailed me a letter which is attached showing that their reporting was incorrect and all 3 credit bureaus were notified. This change has not been updated with Equifax as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has charged me for work that was never performed ( see attachments ). The charges were added to my mortgage balance even though no work was performed,

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 2017-10-26
Company: Weinberg Mediation Group LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX my mother received a phone call from the Weinberg Mediation Group concerning a debt of mine. They did not call me, although they have that number on file.They ( her name was XXXX ) told my mom I owed {$420.00} and if not paid that day I would be sued. Even made it sound like I had used my mom 's information to get a credit card. They emailed my mom a statement of who and what was owed. How can they talk to my mom, I 'm XXXX years old and do n't even leave with her. I called Weinberg back and was told on my credit application I used my mom as a reference and that 's how they got her number. I did set up payment because she told me I had to payment is for the XX/XX/XXXX. I really do n't believe I took this credit card out, there are 2 on my report from the same company about 2 weeks apart. I would not of done that. The Weinberg refuses to Validate this through USPS, said they ca n't. Today I called the original creditor and was  told they do n't ask for references on applications. So I know this lady got my mom 's phone number from something else. I just do n't know what to do. I would like more time for this to make sure I did this and its not Fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions 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:
Dear Sir or Madam, I checked my personal credit report on XXXX XXXX which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX  account. I had called XXXX XXXX late in 2021 about this matter and was assured this would be handled as I do not have any new credit cards with them.

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 2021-07-15
Company: World Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
I was unaware that late payments was reported to this account. I disputed it on XX/XX/2021. I thought it would be a quick fix being that I've never made a payment late. It was not! To my surprise an authorized representative of Local Loans reported to XXXX  that the late payments were correct. 
I mailed Local Loans 2 separate notices to properly validate their claim of actual late payments. 
I would like for Local Loans to provide proof of any late payments to assist with correcting this error, or remove their account if choosing not to correct the late payment error. 

I will upload proof of error also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, My account has recently been taken over by Loan Care. I can not get in contact with them. I was able to speak with them one time, but nothing after. I received some tax bills and, since my taxes are in escrow, I wanted to know if they are paying these. I've been trying to find this out for weeks. They will not answer the phone and then their automated system hangs up on you. Also, I can not seem to access the website. Please help! What should I do? My taxes will be late if I do not find out this information. I'm helpless to them as I did not sign up with them, my loan was sold to them and now I can not seem to do the business that I need to do with them.

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 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would like to file a complaint against capitol one due to an ongoing dispute that keep getting denied. I have sent in all documents requested showing my hotel room was broken into while on vacation. The hotel advised they would not charge me for my stay due to the inconvenience. Im a loyal customer with capitol one and do not feel this situation is not being handled to the highest standard. 

Re : Claim # XXXX for account ending

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} ENHANCED RECOVERY CO L ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: ACS Education Services
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I mailed a payment in XX/XX/XXXX for {$110.00} that was cashed by ACS on XX/XX/XXXX but apparently was never applied to my account. So in XX/XX/XXXX when I received the statement showing past due I contacted them. That was XX/XX/XXXX, the gentleman that I spoke to said to send a copy of the cashed check to them, which I did on XX/XX/XXXX ( I sent copies of both the XX/XX/XXXX payment and the XX/XX/XXXX payment both for the amounts of {$110.00} ). I received the XX/XX/XXXX bill today and it is still showing past due so I called them and they still have not processed the payment from XX/XX/XXXX to credit it to my account. There are late fees on my statement both for the month of XX/XX/XXXX and XX/XX/XXXX. They will not let me speak to a supervisor or correct  their error for me. The best they can tell me is to check back at the end of the week to see if the situation has been fixed. Meanwhile this negatively affects my credit and I am paying more interest than I should be since the amount applied to the late fees should have been applied to my principal thereby reducing what I owe and what the interest would be each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The problem description is incorrect but did not have a selection that fits. 

This loan was taken out in XXXX. I have been making payments, deferring, and forbearing ever since. The loan is at 14 % interest rate which now has my loan balance at 300 % of the principal. 

This loan should have been included in the Navient Lawsuit. 
The eligibility criteria : - You must have borrowed a private student loan from Navient or its predecessor, Sallie Mae, between XXXX and XXXX while attending certain for-profit schools like the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. You can see a full list of schools at XXXX 

- Your loan must have been delinquent for at least seven months or charged-off before XX/XX/XXXX. 

Based on my payment history I meet this criteria, as well as, had it not been for Navient 's outrageous interest rates this loan should have been paid off. I have spoken with a Navient representative and attached the transcript of the chat session Navient is guilty of unfair practices and taking advantage of it's borrowers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation