BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, we contacted Wells Fargo to do a loan modification due to the economy and several houses around us going into default. This naturally led our home 's value to plummet. We were simply told they could not help us... because we were not in default on our loan. XXXX of XXXX, my husband lost his job. Just a few weeks before that, we had requested again for our loan to be modified, only to be told again that we were not in default, so there was nothing they could do for us. When my husband lost his job, and we had a XXXXyear old child, having this house was no longer a priority for us, so as Wells Fargo suggested XXXX we went into default on the loan. We contacted them again and after looking up our loan and seeing we were late on our payment, they said they could help us. That was until they found out my husband had lost his job, then they couldn't help again. So we decided to short sale the house. This process started in XXXX of XXXX and we had a buyer in XXXX of XXXX. Wells Fargo would send us letters that they were unable to get a hold of us, and were therefore denying our Pre-Foreclosure Sale, yet we never received phone calls from them. We were not without phones ( mobile or landline ) and any time we tried to call them, we would get the runaround. But we received a letter in XXXX of XXXX and XXXX of XXXX stating they were proceeding with the foreclosure because they could not get a hold of us. Before this, we received a letter in XX/XX/XXXX saying we may be eligible for Payment Relief, of which we called the number on the letter, but the number put us in a phone message loop. They took so long to finally approve the short sale, that the buyer had pulled out of the deal. We received a letter in XXXX of XXXX that the house was going to be auctioned off if we did not bring the mortgage up to date. This was after two attempts by us to have Wells Fargo approve a short sale. By this time, we had moved out of the house. We received a letter in XXXX of XXXX that they would like to work with us on payment options- almost a year later! All we wanted by this time was to just start over. We had gone through so much stress with them, we just wanted to be done with them forever. We later found out we were part of the " rubber stamp '' letters. We were an honest, hardworking young family doing everything right, and for what?!

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 2022-02-25
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2023-03-02
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Every month NETCREDITXXXXXXXX XXXX report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime NETCREDIT/XXXX XXXX  report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Cadence Bank
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I financed my new home with Bancorp South in XX/XX/XXXX. 

I made my XX/XX/XXXX payment on time, then the next week received a letter from XXXX that they were taking over the loan servicing and that I actually owed XXXX the XXXX payment. 

Bancorp South was supposed to transfer my mortgage to XXXX, and they were supposed to forward the XXXX payment to XXXX. After multiple phone calls, XXXX has not received my payment even after Bancorp South promised they were cutting a check to send the XXXX payment to XXXX. 

Bancorp South also shows that I owe them a XX/XX/XXXX payment even though they were supposed to already have transferred my mortgage to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents. 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. 15 U.S.C 1681 c. ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate

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 2023-06-23
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX and XXXX XXXX were deleted from my credit report as a result of a credit dispute initiated by myself. 

Since this time, XXXX XXXX and XXXX XXXX have continued to report negative inaccuracies to all the major credit bureaus causing myself to lose opportunities for home equity loans, credit cards, and more. Ive had to sell my house I was renovating, however without a bank loan, Im not able to complete from personal funds. However, whenever ai decide to apply, I see XXXX XXXX and XXXX XXXX reporting inaccuracies to the credit bureaus. The credit bureaus who deleted these accounts as a result of the investigation are also negligent in this case because they deleted these accounts after an investigation in XX/XX/XXXX. There should be no way to report accounts which have been investigated and deleted. I have sent over 15 hand written letters to all parties and these accounts are investigated and deleted but only for maybe 6 months or maybe up to a year, until they re-appear. XXXX XXXX continues to sell my personal information to debt purchasers unlawfully. These debt purchasers, along with the original creditor, has filed a 1099C for cancellation of debt, but have not provided the consumer with a copy and has continued to report the debt. This is the same for XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX. XXXX has reported to the major credit bureau on XX/XX/XXXX, they are moving my account to collections. This after the account had been charged off and cancellation of debt completed with the IRS.

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 2023-03-02
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to BSI financial. They were horrible from day one. They were late to notify on how to make payments to them. They didnt send me a welcome package on how to navigate their website or how to create a log in. I called them when my first payment with them was due and the lady on the phone sounded like she had 3 kids making lunch and was short and rude on the phone. 
Now I got a check from them which I assume is the escrow portion of my payments for my property taxes. Or maybe my insurance. Its ridiculous why would I pay an escrow to have the money sent back to me. What if my taxes are late or my homeowners is late?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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:
I have made numerous disputes through Transunion regarding the incorrect reporting by XXXX XXXX XXXX. Transunion is aware that my identity was stolen, likely due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Transunion, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX  XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Transunion during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XX/XX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX XXXX XXXX, as told to me by a XXXX  XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XX/XX/2019. In less than a month, on XX/XX/2019, XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Transunion to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40   days ) and XXXX  XXXX XXXX sold the account to a collection agency, as told to me by a XXXX XXXX XXXX representative. XXXX  XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XX/XX/2019 and sold the account. I would like for Transunion to remove XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-04-30
Company: Resurgent Capital Services L.P.
State: ID
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:
I was caught up in the XXXX  identity theft and cleared up most of my problems. I contacted XXXX  XXXX XXXX  to send me all the info they had on an account they said belonged to me. After numerous attempts on my part the XXXX  XXXX XXXX  people cut off all communications in XXXX, in XXXX they sold the debt to LVNV funding, a collection agency. This has caused me problems with my credit report and I've been receiving harrassing phone calls. LVNV funding has bought a fraudulant account from XXXX XXXX XXXX  and expect me to pay, it is not my account and never has been. the info I have on LVNV funding is as follows per my credit report acct # XXXX address is c/o Resurgent Capital Service XXXX XXXX  XXXX, XXXX, SC XXXX ph # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 have hard inquiries on my credit report that I did not authorize and the companies refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-25
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
we struggled working with Ocwen and now PHH we finally got a loan mod approved ; we made our trial payments of {$2500.00} per month. 
once we received the final loan mod ; both of us were sick with covid so returning the final loan XXXX was late. 
Now we have a foreclosure posted on our door ; PHH says we have to start over ; now they keep our money and want to start foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: REGIONS FINANCIAL CORPORATION
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 information incorrect

Complaint:
UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact Regions Band - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/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 2022-02-07
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I submitted a dispute to Equifax stating Inquiries were Unauthorize and to validate 2 accounts I have no knowledge of! As of date I still have not received a response back to my dispute. I called all companies on XX/XX/2021 to investigate these accounts and requested verification and also as to date I have not received any further information about this very serious matter. As per FCRA 15 USC 1681i ( a ) company has 30 days to response to disputed items once letter is received also pursuant to 15 USC 1692g I never received notification of this alleged debt. Please look into this very serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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:
annual credit report said I had a vehicle loan XX/XX/XXXX and asked which bank was it through, I answered none of the above because I have not had a loan for a vehicle since XXXX. 
Secondly, the same credit reporting agency said it looked like I opened a merchandise credit card in XXXX and asked me which store was it through, I answered none because I have not opened an account with a merchant. 
Therefore, I am not able to obtain my annual credit report through XXXX, TransUnion or the third one. 
Please help! 
Respectfully, XXXX XXXX XX/XX/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 2023-03-02
Company: Experian Information Solutions Inc.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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