BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXXXXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 24 and 25 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2022-06-09
Company: EQUIFAX, 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 information incorrect

Complaint:
I found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, XXXX, and Equifax are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. 

XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I complain about Equifax charging me 3 times. I had to cancel my card because they said didn't but the credit company said otherwise. Now they have dropped my score almost 100 points different from the other 2 credit bureaus. I have very good credit. I have tried to sign on/create a new account and it will not let me. Was denied an XXXX XXXX card with XXXX. I already have a XXXX account in great standing. Equifax told them I had defaulted on a previous XXXX  card which is wrong. If you try to call them, they put you on hold, let you sit there for the agents don't know what to do. You have no defence with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXXXXXX XXXX-Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to take my mortgage off of the COVID assistance program since XXXX for a XX/XX/XXXX payment. I have been given the run around for the past month and half! I request for a manager to me back in XXXX after the us bank mortgage rep could not tell me the details of my higher mortgage payment went up by {$200.00} and he said quote I dont know at that point I told him to put whole thing on hold and request a manager to call my wife or I back! Im still waiting for that call! 
We have called back and received different responses from different people! Im tired of being a ping pong! This is not right! 

Im doing a partial claim not a loan mod! 

They say payment is XX/XX/2021 but I have not received one document about this! I dont even know the payment! 

My PITI payment is {$1800.00} normally, why did the payment go up? They cant answer that!! 

How many times do I have to request a department manager to call me because we have been told I dont know why this amount is what it is! 
Also no spoc person either! I keep getting different people. 

How is this? This is a complete violation of TILA and RESPA This is not rocket science as I have over 15 years in the mortgage industry including over 5 years in loan serving the past 5 years! 

Everything should be moved to the back of the loan or a partial claim done! Once the partial claim is completed then US bank gets all the money back! I refuse to double pay, like they are doing! 

Not right or fair to the consumer and will be sending a complaint to FHA as well!

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 2022-08-13
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent Receivable Management Group a validation letter asking them to verify my medical debt. They responded back on XX/XX/2022 with insufficient validation of the debt as I had requested they provide a copy of my signature from the provider showing my request to release information to them. On XX/XX/2022 I sent them another letter asking them to please validate once again the debt by sending me a copy of my signature. It has now been past 30 days and i still haven't received anything from them. They are in direct violation of the consumer law by not responding withing 30 days and failing to validate the debt.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, Experian, and XXXX in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set for XX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX and XXXX  where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.

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 2022-07-05
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Since Bread XXXX took over Comenity Bank or partnered with them. I can't access the website or contact customer service. The Bills are not coming to my home nor I can call and speak to customer services. I have XXXX, XXXX, XXXX, and XXXX XXXX XXXX  cards and can't contact customer service. They changed my XXXX number and when I try to gain access by calling they make an announcement that they can't talk right now. The statement on the website : You can now check your balance and make a payment online by signing in below or using Comenitys EasyPay. If you made a payment thank you! You may not be able to review your payments as quickly as youre used to ; we are working to restore this feature. We know the recent system outage has been frustrating and we are working to ensure a fair resolution for impacted customers. 

However, I can't gain access to my account since XX/XX/2022. Then when you call there is no customer service online. I paid by phone. Then I checked the website they took me off the website because I had an Identity theft by Bread XXXX and called the police. Then customer service tells me to send an email and they never respond. There is a need for an investigation with Bread XXXX who partnered with Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Employer : XXXX Date Updated : XX/XX/2017

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 2021-10-29
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with Credit Systems International , Inc plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I received a loan modification from XXXX XXXX XXXX ( BOA ) with the trial period of 3 payments of {$2300.00} to be paid ( XXXX, XXXX, XXXX ) After the 2nd trial payment had been made I was informed by BOA that the loan would be transferred on XX/XX/XXXX to XXXX XXXX XXXX and all terms would remain the same and that I would have to pay the third trial payment to BSI. Which I did. I made mortgage payments to XXXX until XXXX XXXX loan was transferred again in XX/XX/XXXX to Fay Services ( FS ) who refuses to honor the original modification from XXXX. I made payments to FS from XX/XX/XXXX to XX/XX/XXXX and was constantly being told I was making partial payments. As a result of this situation I have been forced into bankruptcy to try to get this resolved ... .even up to present ... FS also would not provide my monthly mortgage statement to me or my credit union to help me with the financial situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I used the HERO Program to have XXXX and new windows installed in my XXXX home in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( windows ), respectively. My total financed was {$18000.00} for 10 years. A yearly total of {$2600.00} was added to my property tax with XXXX XXXX County tax assessors ( totaling an additional $ XXXX/mo ) and is to be paid through my escrow account through my lender, Lakeview Loan Servicing , LLC ( also known as XXXX ). As I have an FHA loan on my home, I am required to pay my property taxes, PMI and homeowner 's insurance through an escrow account. On XX/XX/XXXX, Lakeview sent me an annual escrow account disclosure statement identifying that I am required to either pay an additional {$440.00} per month ( totaling $ XXXX/year ) or pay a one-time shortage payment of {$3000.00} ( due by XX/XX/XXXX ) and also pay an additional {$190.00} per month ( an additional $ XXXX/year ) totaling $ XXXX/year. I called Lakeview to get an explanation as to why they are requiring me to pay almost double the HERO payment and was not provided a reasonable explanation. I was told the reason XXXX is charging me {$5300.00} to pay HERO amount of {$2600.00} is that they have three different departments completing complex calculations to determine what the lender requires in my escrow account. That was the explanation for Lakeview requesting an additional {$2600.00} from me. I can not afford that.The reason I did HERO was because it provided me a tax credit that helped offset my tax liabilities as a single woman, with no children living in one of the most expensive areas of the most expensive states in the Country. I can not afford a $ XXXX/mo increase on an FHA loan. I could barely afford the {$220.00} - but since my old windows didn't lock and summer gets 109 in my area, I felt it necessary. Why is Lakeview legally allowed to charge me double the amount of the HERO Program loan?? This is federally backed program and participants should be able to participate without a predatory mortgage lender using it to double payments. Especially with an FHA loan. Lakeview KNOWS I am required to pay my taxes through an escrow account. They know I am trapped and that is why they are doing this. My only options are to borrow money ( somehow? ) to pay off HERO and then have to re-fi my home to pay off borrowed money, losing my HERO tax credit in process and my FHA interest rate or lose my house altogether since I now can not afford the payment. I believe Lakeview needs to be looked into for predatory practices. I also would like to note that Lakeview bought my mortgage - I did not CHOSE this company.

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 2018-01-24
Company: Genesis Credit Management, LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In both XX/XX/XXXX and XX/XX/XXXX my husband and I bought new vehicles. Both times at financing we were informed that my husband had better credit than me, so we did the financing in his name only. In XX/XX/XXXX, out of concern for what was on my reports I pulled my credit and found that XXXX XXXX XXXX reported that I had a debt of {$650.00} that I owed from XX/XX/XXXX and that I paid this debt in a settlement for less than the actual amount of what was owed to them and it shows as an adverse account on mine and y husbands XXXX credit reports. XXXX XXXX XXXX was a collection agency that I worked for doing collections in my home. When I no longer was working for them in XX/XX/XXXX they sued me and my husband for {$650.00} for the used computer and monitor. My husband NEVER worked for them at any time. My husband and I appeared in court XX/XX/XXXX XXXX Civil and Small Claims, the case was dismissed with prejudice. Their attorney, XXXX XXXX, took possession of the computer in the courtroom in front of the judge and court clerk. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported a debt onto my credit report and my husbands XXXX credit report 13 days AFTER their attorney was in possession of the computer and monitor and after the courts dismissal with prejudice. They created a debt by using my date of hire, fake DOBs, my husbands name is misspelled, in order to generate this debt. I have worked since XX/XX/XXXX trying to get this off of our credit. We've consulted an attorney, filed complaints with the XXXX and the Attorney General, and disputed the debt with XXXX. The WA state Dept of Licensing said that XXXX XXXX XXXX dissolved at the end of XXXX and that XXXX XXXX assumed assets and liabilities. This is fraud and many laws were broken by the very collection agency that I worked for as a way to retaliate against me for quitting. XXXX XXXX XXXX is now DBA Genesis Credit Management , LLC, located in XXXX WA and they have learned a really good shell game of dissolve and assume a new name. But if a collection agency can do this to a former employee can you imagine what they can do to a debtor or a consumer that has no idea what to do or where to turn to protect their rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Trans Union, XXXX and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XXXX. This is a major violation that needs to be removed from my reports 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