BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT 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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was under XXXX XXXX and my condo went into foreclosure in XXXX ( index XXXX ) I have made several attempts to modify my loan with XXXX XXXX XXXX In XXXX, I was approved for a modification ( HAMP ) federal government modification program. I qualified for this program and made all payments on time for a final mod. XXXX XXXX received over a year worth of payments for the HAMP modification and then denied it. All the payments made disappeared from my account and XXXX XXXX tells me that they cant find the payments or information regarding the HAMP Modification. I have copies of the acceptance letter, checks and statements that show my payments. XXXX XXXX continues to take all the equity my apartment may have by adding excessive fees and trying to still foreclose on my property. They have violated the law and are discriminating against me with their abusive practices. I made every attempt to keep my property from foreclosing but XXXX XXXX refuses to approve an affordable modification.

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 2019-08-25
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First of all, discrimination. Loan was under XXXX XXXX, and that has been dissolved and discharged by the SSA under total an permanent disability. 

Secondly, Discover is now trying to collect amount under XXXX XXXX XXXX, which never obtained this loan, thus Discover is involved in gender discrimination. 

Now, they way there is a XXXX  balance, and keeping about {$1000.00} that was incorrectly collected and discover is keeping as loan under XXXX XXXX was indeed discharged under total and permanent disability by the SSA. 

Now, discover is being evasive and not reporting credit truthfully and that the account has been discharged under XXXX XXXX, and moreover, discriminating against XXXX XXXX XXXX, as there is NO loan by her under this entity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX has selected Fifth Third Bank as my mortgage servicer. While Fifth Third has sent me a letter encouraging me to set up an online account, none of my information appears in their online system. When I called the initial time ( with extremely long wait times ), I was told it would be populated by XX/XX/XXXX. Upon calling this morning -- after my information had not been populated to the system -- the agent was unable to find my information, I was encouraged to go into a branch ( there are none within several hundred miles ) and I was told that if I wanted more assistance I would have to be put back into the queue. 

Frankly this level of incompetence is embarrassing to the federal government XXXX XXXX XXXX XXXX, and I don't think is indicative of typical mortgage servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Sir/Madam, Please don't close this complaint just because this mortgage company, XXXX XXXX XXXX , says they will act on it. They said they will and CFPB closed this complaint and the issue still exists. XXXX XXXX XXXX did nothing. There are multiple complaints against this mortgage company on XXXX as well. Please check the XXXX website. 

Our mortgage was transferred from this mortgage company to XXXX two months ago. We even began paying to XXXX, after verifying with them, but XXXX XXXX XXXX refuses to close our account and report it correctly to credit agencies. It's becoming a problem for us as our credit report is incorrectly showing primary loan on our home owned by two mortgage companies. When it should only be XXXX. 

I hope due diligence is conducted with this mortgage company, and please don't close this complaint till full resolution and proof from XXXX XXXX XXXX  has been submitted that validates that they have corrected their records and reported it correctly as per the regulatory requirements. 

Thank you, 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 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Rapid Auto Loan Issues Aged Reports For 4 months I informed Rapid Auto of aged reporting issues where their system reflecting inaccurate information.Their system was adding an extra 30 Days to my payment status. In example, if I am 1 day late, the rapid auto loan system was showing 31 days late. It took them several months to fix an issue which should have been resolved in minutes. This has caused harassing phone calls and texts related to issue.Harassment Rapid Auto sends several texts daily stating the my vehicle has been dispatched for repossession. The statement is an illegal form of collections which stresses the customer. If I am late with a payment, I set an arrangement with the company and make the payment on the stated date. The texts they use to agitate or harass their customers is illegal. My vehicle has never been out for repossession as it incurs additional costs for the lender and customer. Rapid would also need to attempt to cure the current status before dispatching any vehicle for repossession. This falls under unfair business practices and should be prevented by any lender.Pay off - At 26 % interest, I have requested a payoff from Rapid for 3 months and have not received a call back to settle the account. I am incurring an additional XXXX dollars monthly in interest fees that I have been trying to avoid. I sent several request to XXXX to settle the account with an adjustment to the payoff amount. Rapid is choosing to ignore the request in an effort to maintain interest payments through the term of this loan. I would have saved XXXX dollars so far in interest payments if they provided me the adjusted payoff 3 months ago. I have requested another payoff with XXXX payments left which would save me XXXX dollars. I am requesting a final payoff from Rapid of XXXX which also includes the 3 months of interest payments in which they ignored.Rapid auto loans has no language in contract regarding prepayment and has included 12 months of interest in the principal they say i owe. Since I have been trying to pay this early, I am not liable for additional interest payments. The loan needs to be settled at fair value and I have been trying to do this for3 months now. They dont respond and forces me to make the payments monthly.They should be investigated for how they manage interest accruals in contracts and charge their customers.I am requesting that CFPB discuss these practices with the lender and ensure these issues are resolved. Rapid Auto should not be in the business of lending considering these concerns. I am sure others have experienced these deceptive practices by the company. They should be audited and fined for these occurrences. I am also requesting their license be put under review while CFPB investigates these claims.Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2021-10-21
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
According to the recent Annual Credit Report dated XXXX company Cache LLC has reported a debt of XXXX. This charged was disputed as a fraudulent charge originally in XXXX and again in XXXX under the name XXXX. Previously named XXXX. The credit bureaus favored the decision and removed the charge from the report. however the company has resubmitted the claim under a different name 3 times. The companies have provided no proof that this is a legate charge to the individual. I have notified the FTC. Along with the 3 major credit bureaus. This has become an ongoing process. The CFPB needs to assist in implementing regulation to prevent this type of double jeopardy reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XX/XX/2021 I attempted to get my credit score through TransUnion ( XXXX XXXX XXXX ). I was never able to set up an account or login, but the company did receive my credit card information and charged me {$27.00}. I never authorized this payment, nor did I receive any service from the company. I did not receive any email alerting me to the fact that they were charging the card, giving a reason and providing the score or any other service

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
When I checked my credit report I was shocked to see a account of XXXX this is identity left and fraud this is not my account, I want this account removed and never put back on my credit report again. 

According to the Fair Credit Reporting Act you must provide MAXIUM possible accuracy Pursuant 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Monday XX/XX/XXXX I received a call from Capital One stating that my account was flagged and audited for possible fraud. I have several authorized users. None of their cards are activated nor do they have access to their unique card numbers as I have all authorized user cards sent to my home address and not theirs. In addition I have a {$9300.00} credit limit and a {$0.00} balance on my account. I very rarely use this account with the exception of the XXXX season. 

Capital One asked me to contact my authorized users and request that they send me a copy of their social security cards, and the front and back of their drivers licenses. 

I supplied them with most of the information but was still in the process of gathering up copies for the people they named. Capital One told me there was a timeline to get this done but to understand that they could not remove the restriction off of my account until they had all of the required documentation. 

They called me today XX/XX/XXXX and told me they were closing my account because they could not verify one of the documents that I had already sent in. I asked more questions regarding which authorized user they were referring to and they said they could not share any further information with me. I don't believe that any of my user 's are suspicious, but if they are, I would like to know specifically who they are referring to. I believe I should have some sort of clarity and understanding on what's actually happening and why. 

In addition, I have had this account in good standing for over 6 years. I thought I had built a good relationship with the Capital One. I would like to be clear on what this random audit and the outcome means for me and my credit reputation going forward. I have worked hard for my credit standing. 

Also additional information is listed below. 

My XXXX # XXXX XXXX Customer XXXX XXXX XXXX Is the contact number they gave me. 

Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid 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 2021-10-20
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor XXXX XXXX XXXX Collector is Radius Global the account was open XXXX XXXX the amount is for {$780.00} XXXX put in a fraud claim with XXXX and i also spoke to XXXX XXXX works as well as radius global i have no knowledge of this account please block and remove from my 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 2019-11-08
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A refund from XXXX XXXX in the amount of {$170.00} has been sitting with visa and TCF bank for over a month, this has been confirmed by the XXXX  and the letter sent to them from XXXX XXXX ( SEE THE ATTACHED ) and as of today the original complaint to TCF Bank was made OVER 1 MONTH AGO. I was told the money is being put back into my account yet another 8 business days have gone by to no avail. The debit card used was closed out, TCF bank can see the money yet has not called or communicated with visa to tell them that the debit card was closed out and this is the account that the {$170.00} refund is supposed to go into, therefore for over 1 month the money has been sitting in limbo. I have talked with XXXX XXXX several times ; he has called the necessary department several times to no avail. the original case number is XXXX. TCF bank denied the refund on their part, ( which means they were not going to refund the money from the bank ) based on the above case number but XXXX XXXX decided to give me the refund and did so over a month ago, that is the money that is sitting in limbo because it was put back onto a closed-out debit card. TCF is not communicating with Visa to give them the correct account to put the money back into. TCF bank has done nothing to complete this transaction for several weeks now. I can not give that information to Visa, TCF Bank needs to, and needs to do this NOW AS MY MONEY IS STILL IN LIMBO AND HAS BEEN FOR OVER 1 MONTH!!! XXXX in CS TCF Management has confirmed that she can see the refund and does not know why this is not being taking care of by the TCF correct department. Had TCF done their job correctly and completely, they would have seen the refund and applied it accordingly instead of just leaving it in limbo, THIS IS NO LONGER ACCEPTABLE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've contacted self multiple times I can never get the fraud department on the phone to even begin to handle this claim. this is not my credit builder account I've never used my my credit until now. My wallet was stolen & i had multiple accounts & I've had bills put in my name in city I've never lived in credit cards & loans all under my name using my info. I have proof of where I was living at the time this account with self was open. I have no knowledge of this company or never inquired for they service. All the accounts that were open around that time was not verified so how is self verifying I keep asking for proof of the investigation yet still nothing they are not responding. Ive asked for proof of the investigation plenty of time & was told at first I was not entitled to then it was they don't have it they just keeps coming up with excuses they saying they've been contacting me so I asked what number & email it wasn't even my phone number or email. they continue to hang up in my face I've provided everything they are committing violation violation violation all the inaccurate credit reporting is messing with my health. I HAVE DOCUMENTS BELOW MY DL OF MY HOME WHERE I WAS LIVING A BILL A POLICE REPORT ID AFFIDAVIT ALONG WITH IN THE INACCURATE CREDIT REPORTING. I

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