BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-24
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, XXXX XXXX  XXXX finance my home. I applied for the COVID-19 mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXX XXXX  XXXX XX/XX/XXXX. On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. 

I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. 

Unfortunately, I am still experiencing problems with SLS Mortgage. The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via Wire to SLS Mortgage for my XX/XX/XXXX payment. As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my accounts. However, the issue has not been resolved and I am getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment that they have received from XXXX but failed to post to my account. 

I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,

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 2018-05-07
Company: LEXISNEXIS
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:
XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with LexisNexis. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and XXXX that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by LexisNexis. XX/XX/XXXX I called LexisNexis who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MO
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:
Despite of my previous complain, again, I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. As I reviewed my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$350.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have repeatedly advised Discover that I was a victim of Identity theft and even provided w police report. Discover advised that because their name was not listed they could not use it. The identity theft was brought to my attention due to applying for residence and being denied due to an eviction which led to a judgement being placed on my credit. I found that someone fraudulently obtaining a lease in my name which can be verified with XXXX XXXX and the police report. This led to me pulling my credit reports as I filled a police report and after began closely examining my credit card statements ( as I never did only paid them without looking at the activity ) where I came across alot of fraudulent activity and immediately contacted my current credit card companies as I was still in possession or possibly lost/stolen. I have been hospitalized and then placed in XXXX due to Exacerbation/Relapsing with my XXXX XXXX brought on by the stress of this situation where I loss the use of my hands. I am currently receiving In home Infusions due to the impacts of this stressful situation ( new brain lesions, increase cognitive impairment, numbness etc ). I am tired and will not allow this to kill or permanently impair me. I had submitted emails to them and even talked to reps and NOONE seems to care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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 information incorrect

Complaint:
I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. XXXX XXXXXXXX refuse to remove the debt is still owed and also show account as charge off. XXXX XXXX has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XX/XX/XXXX XXXX XXXX is still reporting the same information to my credit report. On or around XX/XX/XXXX I sent XXXX XXXXXXXX by Priroity Mail # XXXX XXXX XXXX XXXX and received on XXXX XXXX XXXX  to settel the matter XXXX XXXX XXXX did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX. See Attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2022 - an re-investigation was requested. 

The company has not responded within 30 days with the reinvestigation results.

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 2021-11-10
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was fraud made from XXXX that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and XXXX still says I have a balance and I tried to resolve this and explain that this was due to fraud. XXXX sent the debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, 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:
The payment history is inconsistent on all the bureaus Account : XXXX XXXX XXXX. 
account no:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inquiries that I have no knowledge of

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 2020-09-12
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Suntrust and transferred {$3000.00} from my spouse XXXX account om XX/XX/2020 shortly after Suntrust sent me a letter saying the account was closed for fraud. I was never contacted by Suntrust directly to ask. Suntrust did not send back my {$3000.00} I have called twice and both reps have told me suntrust is holding my money and will not say why or let me talk to an agent who can explain. I need my {$3000.00} from suntrust ASAP, as well as compensation for lost interest ( 4 % apr on XXXX for length of time money was held, currently 60days x XXXX cents a day = {$26.00} dollars ) and the opening bonus that i would have been eligible for of {$400.00}

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 2021-11-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX took out 2 charges on my account in the amount of XXXX and XXXX so when I seen those charges I try to contact XXXX on XX/XX/XXXX and was on hold for a long time so I dispute it with pnc bank so they open up a dispute on XX/XX/XXXX and when they did that I told them that I have an email that XXXX send me and the price was lower than they charged me and my car insurance is no where in being XXXX a month because I wouldn't of took them if it was. So on XX/XX/XXXX they reverse the charge of XXXX and XXXX didn't give me any notice on why and when I called them after I got out of work I called them to find out why they had me on the phone for over a hour and then hung up on me so I got no answer on why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Banking ORIGINAL CREDITOR : XXXX XXXX BANK XXXX XXXX. 
DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/XXXX ORIGINAL CREDITOR CLASSIFICATION : BANKING LAST REPORTED DELINQUENCIES : XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX BANK XXXX XXXX XXXX XXXX COLLECTION COLLECTION ACCOUNT UnknownLoanType Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Old information reappears or never goes away

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute this account XXXX XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 

Item # 3 : I dispute XXXX XXXX - XXXX, this account is more than 10 years old and should be deleted from report. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
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 2020-07-17
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 2021-04-13
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage comany, LoanCare owes me a check for {$3400.00}. It is an escrow overage payment that was incorrectly issued. 

The overage check is to be issued in my name, XXXX XXXX XXXX. I initiated this payment on XX/XX/2021 via email to a customer support individual. I called about the status of the status of the check on or around XX/XX/XXXX, as it hadn't been received. The customer support person I spoke with told me that there was an error and to look for the escrow overage check by XX/XX/2021. It never arrived. 

I again emailed the customer support individual that the check has not arrived. He did not respond. 

In summary I've emailed LoanCare twice and called the company as well. Over a month has elapsed since first I asked my name to be used on this overage check. LoanCare owes me {$3400.00}, which I need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Someone used my social security number for financial gain and personal use to commit fraud and attempted to open up accounts in my name, I will enclose a copy of my identity theft report along with the letters I have sent the Bureau as proof for them to investigate this matter.

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 2021-02-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Sarma
State: TX
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 am complaining  regarding some of the hard inquiries on my account I dont recognize some of them I will list them XXXX XXXXXXXX XXXXSharmaXXXX/XXXX XXXXXXXXXXXX XXXXXXXX XXXXI have tried to get these removed but no one is responding to me if u could help that would be great Thank you

Company response to consumer: Closed with explanation