BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX acounts on my TransUnion credit report that shows XXXX XXXX # XXXX show 60 days past due but it has been paid off and closed. The Status should say Paid off and closed instead of 60 days past due. The other account is XXXX XXXX XXXX is showing the same thing. Pay status should show paid off and closed as wel

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.

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 2019-03-29
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited the home from my mother and it had a loan on the home. I was paying the loan and received a call from PNC after the house was going through probate, telling me they forgave the loan. Then I found out that the bank filed foreclosure saying that my mother had no heirs and the house was abandoned. I was never notified of the foreclosure. I wrote the judge and the sale was stopped. Since XX/XX/XXXX I have been working with PNC to lower and work out payments but they still send everything in my mothers name. 
Now on XX/XX/XXXX I found out that the bank is up for sheriff sale again and once again I was never notified of the foreclosure process.and still getting letters from PNC bank saying that they are willing to work out payments with the heir of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My account has been permanently limited ( closed, for all intents & purposes ) by PayPal for an ex post facto rules violation. They state that they will send me information on how to withdraw my account balance in 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied for an income based repayment plan. I received an email which i have attached stating that my new payment is XXXX. However they keep showing payment due of XXXX. I have attempted on the phone and email to explain this but i either get transferred from department to department where i was disconnected 4 times or i get no response to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: ERC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018 at XXXX XXXX I placed a Sell Order for .XXXX Ethereum for a total ( USD ) XXXX according to the Order Form. After having Placed the Order I received only ( USD ) XXXX. Please see the attached photographs as evidence and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care 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 2023-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CCS Financial Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
For over two years I had a renters insurance policy with XXXX XXXX. After a flood my very expensive smart phone was damaged & ruined. I filed a simple claim between $ XXXX as contractually entitled. THEY REFUSED TO PAY THE CLAIM! I IMMEDIATELY CANCELLED MY POLICY AND BEGAN THE PURCHASE OF MY HOME SO I DID NOT NEED RENTERS INSURANCE ON TWO COUNTS. 

THEY ARE RELENTLESS IN THEIR SPOOFING & COLLECTION ATTEMPTS FOR {$170.00}. I DON'T OWE THEM ANYTHING, FROM MY PERSPECTIVE, THEY SHOULD REFUND MY PREMIUMS FOR TWO YEARS & SEND ME AN APOLOGY TO MAKE THINGS RIGHT!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
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 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, XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Transunion denied me access to my free annual credit report by asking me to pay to include my credit score. First of all, I do not want to give them my credit card information regardless of how cheap it is. Second of all, FREE is free. All I want is my free annual report. XXXX and XXXX did n't give me any problems with receiving my free annual credit report. Transunion is the reason I requested my free annual credit report in the first place. They lowered my credit score almost XXXX points after they purchased XXXX XXXX where I was monitoring my credit score every month. I just paid off XXXX bills and pay all my bills on time. My credit situation has been the same for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE DOCTOR BILLS FROM FAME AND XXXX XXXX WHICH ARE MY ADULT SONS BILLS FROM WHEN HE WAS AN ADULT ON HIS OWN. ALSO I HAD INSURANCE AT THE TIME THE XXXX XXXX BILL FOR MY DAUGHTER UNDER 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 explanation
Consumer complaint received 2020-10-16
Company: FIRST HAWAIIAN, INC.
State: HI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX credit card balance was paid off on XX/XX/2020. XXXX  continues to report an existing balance of {$2000.00} which is clearly wrong. Even the creditor confirmed to me via phone call that the balance is indeed 100 % paid off. Furthermore, even XXXX  and XXXX  agree with me and the creditor. Both of these credit bureaus are reporting the balance correctly as XXXX  and paid in full. I am attaching screenshots as proof that either XXXX  or First Hawaiian Bank is doing something wrong. This has negatively impacted my credit score, dropping it significantly by 17 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Complete Credit Solutions, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Request more information about this debt, under my name XXXX XXXX XXXX, singed for me amount and description of purchase and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EdFinancial Services
State: MS
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 recently went to purchase a home from XXXX XXXX  and noticed that there are some damages on my credit report according to the 15 U.S.C 1681 law there should NOT be any damages on my credit report it is a defamation to character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Nelnet, Inc.
State: MI
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:
I went to XXXX XXXX and never received a XXXX  the school was closed down and found guilty of fraud in 2016 I am not responsible for this alleged student loan and its pulling my credit score down tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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've reached out to transunion, XXXX, and XXXX  several times regarding inaccurate late payments that are being reported for my credit acceptance account. Please see attachments

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 2023-09-12
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been trying to log into Nelnet for the past 2 months and keep getting an error on my account. I can't get any information on my student loans and Nelnet will not respond to phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Investigation took more than 30 days

Complaint:
I sent out some letter To Verify The Accuracy On my Credit Report. I have not receive a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be deleted. the Companies were unable to provide me with proof of the supporting documentation. This is embarrassing and damaging to my reputation as a consumer. I need financing for a new house. I damant they block and remove the accounts.

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 2020-10-29
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I started with SLS on XX/XX/XXXX when they took over loan from XXXX  XXXX XXXX. I could not set up website or call to make a payment when I called on XX/XX/XXXX as they did not have me in their system yet. They said I had 60 days to make XXXX 's payment as this is common. XXXX payment was made XX/XX/XXXX and is agreed upon with SLS. SLS is reporting ( see attached ) that my XXXX payment was late as you can see the have XXXX XXXX for last year which include XXXX, XXXX and XXXX. Reporting XXXX is a clear RESPA violation when it comes to the transfer of loans between banks. 

I reported SLS in a different complaint with CFPB and they stated I was behind until XX/XX/XXXX and have been up to date since then. See complaint XXXX. XXXX, XXXX and XXXX is 3 months. They are reporting me late for 6 months in XXXX. 

According to SLS and their response to my complaint, they are saying that I was late, are are not following RESPA guidelines in reporting me late for XX/XX/XXXX and also have not fixed the error for XXXX, XXXX and XXXX. 

There should be no dispute as the SLS response to my complaint XXXX and what the are reporting in late payment history do not match.

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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX  credit card balance was paid off on XX/XX/2020. TransUnion continues to report an existing balance of {$2000.00} which is clearly wrong. Even the creditor confirmed to me via phone call that the balance is indeed 100 % paid off. Furthermore, even XXXX  and XXXX  agree with me and the creditor. Both of these credit bureaus are reporting the balance correctly as XXXX  and paid in full. I am attaching screenshots as proof that either TransUnion  or XXXX XXXX XXXX  is doing something wrong. This has negatively impacted my credit score, dropping it significantly by 17 points.

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 2015-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Dear CFPB, on XXXX XXXX, 2015, I applied for a XXXX Credit Card issued by XXXX Bank. I received on XXXX XXXX, 2015 a declination letter form XXXX and the reason for their decision was " insufficient credit history on file '' and the CRA who is named is T.U. Consumer Relations ( Transunion ). This decision has hurt my financial life. It is the job of the CRA to report correct information furnished by the consumer. If the CRA was not able to provide to the creditor specific information of the consumer, theymust specify the item that was missing or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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:
On XXXX of XXXX, I submitted to Experian, XXXX and XXXX   a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.

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