BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  Please repair and update.

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 2017-01-09
Company: FCI Lender Services Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am working on a short sale that has a sale date. I submitted the package to the 2nd lien on XXXX I called today and they told me they did n't receive anything. This short sale is time sensitive and we ca n't keep sending paperwork over and over that has been already submitted.

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: NC
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:
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XXXX/XXXX/2023 Transunion reported a hard credit inquiry on my credit report from XXXX XXXX XXXX XXXX. After contacting XXXX several times they showed no record of any credit application past or present ( I have never had any business with them. They further told me to contact the credit Bureau and file a dispute. I tried multiple times to file the dispute both online and via phone with a Transunion representative. Transunion told me to : 1st contact - file a police report about fraudulent use ( what fraud? ) 2nd contact - Get a letter from XXXX stating they have no info about this ( they have never done this ) 3rd contact- we can not help you ( they are the only ones with the erroneous report Both Transunion and XXXX have not offered me a solution to their problem

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 2023-06-08
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:
I have Expressed to Equifax, XXXX, and XXXX ( not XXXX ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). 

This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the po box that I put in the following letters. 

I have labeled the letters for each company and each letter includes personally identifiable information. 

Please not that by law you may not furnish any information and or adverse information without my handwritten consent. 
-15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: CL Holdings LLC
State: IL
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:
In late XX/XX/XXXX, I cancelled our mobile phone service with XXXX XXXX. We paid our final bill to XXXX. We began using XXXX XXXX XXXX in XX/XX/XXXX. 

XXXX XXXX CONTACT INFO JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX A couple months later, I received a bill from XXXX attempting to charge us for an early termination fee. $ XXXX I called XXXX and told them our contract had expired many, many years ago. They attempted to tell me that I signed a new contract later. Knowing I had not done so, I asked them to send me a copy of the signed contract. They did not. I have repeartedly requested proof that they confirm I signed a second contract with them. 

We were clients of XXXX in XX/XX/XXXX. We closed our account XX/XX/XXXX. We transferred our service to XXXX XXXX XXXX in XX/XX/XXXX. XXXX chased us for this false debt for 3 years. InXX/XX/XXXX they turned the account over to collections agency, Jefferson Capital. 

XXXX refuses to supply proof of their allegation and simply keep reaffirming the false re-age date, XX/XX/XXXX that coincides with when they turned the account over to Jefferson Capital System. 

Since then, they continue to tack on late charges and report the account as defaulted in the amount of {$280.00}. 

There are two issues. 
> We never owed this false charge because we never signed another contract ( which they refuse to supply proof of ). 
> They are reporting this late charge with the fake re-age date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

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 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My issue is the ongoing negative derogatory impact on my credit report, over and over again I have been denied credit loans and refinance options because my mortgage loan servicer is still reporting Qty : 19 Missed payments for BofA XXXX XXXX # XXXX, even though the Account was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ). An additional Qty : 7 Missed Payments are showing on BofA Loan XXXX # XXXX, where a home loan modification agreement was reached to get this account back to current/favorable status. Loan XXXX qualified and was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ), under the fraudulent loan provision of the National Mortgage Settlement, Which by law allowed me to claim tax exemption for the loan debt forgiveness under the Mortgage Forgiveness Debt Relief Act and seek credit repair for improper loan servicing practices. Loan XXXX was also renegotiated thru a loan 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 2020-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EXPERIAN XXXX Their website will not allow you to update incorrect information on my personal credit report. 
The fraud alert placed in 2019 shows an old, outdated cell phone number. 
When current creditors access my credit report, they call the old phone number. Then when there is no way to reach me, they call me at my cell number on file with my account with them - asking me to either updated my cell on the alert or have it removed. 
I literally have called in ONE day, 7 times and been on hold for over an hour trying to speak with someone in the Fraud Dispute department. 
I am either transferred to a non-working voicemail or left on hold for over 40 minutes, then disconnected. 
Their website does not grant you access to do the update/dispute yourself. 
Experian will not allow you to speak with a supervisor to get assistance.

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 2020-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XX/XX/XXXX, Equifax and XX/XX/XXXXand was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: PR
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 am victim of identity theft and fraudulent information had been reported by XXXX XXXX and XXXX XXXX XXXX XXXX for the amount of {$1600.00}. This negligent action has severely damage my credit score. ( My credit score was 820+ before this incident ).

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 2020-07-09
Company: Experian Information Solutions Inc.
State: GA
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 have XXXX on my Credit report as if they were still relevant but they were included in my bankruptcy And had the chance to dispute the bankruptcy back in 2015 but did not, I have disputed this creditor a good bit of times, I have sent letters to XXXX and XXXX with proof but nothing has changed.y bankruptcy lawyer admin XXXX XXXX at XXXX XXXX XXXX bankruptcy lawyers also tried to get it done for me with the paperwork they have. I have researched XXXX in their claims with other Consumers and this is an ongoing thing with them. This account I had with them should not be showing collections under XXXX, it should be showing closed and paid or paid through bankruptcy. This is a huge problem and I dont believe that experian is ignoring everything I am sending them regarding this. This needs to be investigated, me thing o try to do is keep my Credit clear especially right now since o am trying to buy a house. With my own responsibilities and just trying to make it, I shouldnt have to deal with this so much. But I wont stop here until XXXX corrects their injustice actions and not only To me but others. 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 non-monetary relief
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: GA
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 filed a dispute in regards to the incorrect information on my credit report and its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, AmeriSave promised us that we could safely pay {$470.00} for their required appraisal while we still shopped for better rates with other lenders, because they ( AmeriSave ) would beat anyone 's offer by {$500.00}. 

They then failed to follow through, costing us not only an additional {$520.00} for a second appraisal needed to close the loan with another lender, but also cost us our planned vacation, by dragging the loan on for five months into the COVID-19 restrictions on travel. 

When I presented AmeriSave with that better offer by XXXX XXXX in XX/XX/XXXX they said they could not match or beat it, while not allowing us to use our AmeriSave 's appraisal elsewhere. 

We would not have authorized that first appraisal for AmeriSave if they had not promised that we could still shop for better rates and that they would beat any offer by {$500.00}. XXXX XXXX then closed the loan for us is XX/XX/XXXX, after we had to pay for a second appraisal and with it now being too late to have the travel vacation we had planned for This was a bait and switch, for which I have every email communication with AmeriSave to prove my claims. 

Then I saw AmeriSave 's class action lawsuit from XXXX, saying the same scam cost them {$19.00} XXXX in XXXX. Can you please help us and others who have been burned this way with another class action lawsuit against AmeriSave? 

In XX/XX/XXXX, we asked AmeriSave to reimburse us for the {$470.00} wasted on their appraisal, and they have not responded - even after several emails and calls to the agent and their customer service department, vowing to report them to the XXXX  and XXXX reviews. 

Now, we feel we are also entitled to punitive damages as well, for the loss of our vacation due to AmeriSave 's dragging the loan into the COVID-19 travel restrictions. 

Thank you. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.

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 2020-04-08
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
my bank account was debited without my authorization on the XX/XX/XXXX for the purchase of a subscription to an XXXX XXXX  site. This purchase was made by a XXXX year old boy whom had gotten my card information. When I discovered the transactions I immediately went to my bank account on line and froze my account which should have locked my account disabling any transactions. This was the XX/XX/XXXX. I then tried to contact my bank and contest these unauthorized charges and reporting the company responsible. Well, I guess because of this pandemic we are having, I was not able to speak to anyone but I thought I was safe because I had frozen my account. On the XX/XX/XXXX the monies were still on hold status and normally they stay on hold status for 10 days. On the XX/XX/XXXX we went to the store and my card was declined so I got back on my banking account and the three debits to my account had all been paid, that is in a matter of two days which is sooner than normal and I had my account frozen. I am a XXXX year old man who lives on a fixed income and I am pretty much ignorant when it comes to technology, let me just say if this technology is costing us our humanity, is it really worth it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze on my file with Equifax following their data breach in 2017. Today, I tried to unfreeze my file in order to apply for a loan. After filling in their online form with accurate information about myself, I was told that I needed to call into a phone number ( XXXX ) to complete my request. 

When I called into that phone number, I was presented with an automated phone tree that asked me a series of questions, but still continued to refuse my request to unfreeze. The phone tree presented me with questions that do not accurately reflect my personal financial record and transactions, suggesting that there may be inaccuracies with the information Equifax has about me. 

There was no option to speak with a human, so I still have not been able to unlock my file or request the information in my own file. I have searched throughout their website and all methods of contacting actual human beings seem to be unavailable. 

There appears to be no method for me to confirm my identity, unfreeze my file, and address any inaccuracies that may exist on my record. It appears that Equifax is purposefully making freezing / unfreezing of individuals ' files difficult to discourage use of this necessary feature, so I need the CFPB 's help in accessing my own information. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting XXXX inquiries on my credit report. I 've contacted them and the companies several times to get them removed due to being a victim of identity theft. I 've never applied for credit with these companies. XXXX out of the XXXX are n't from my request. Please find the screenshots of the unauthorized inquires. 
1.XXXX XXXX- XXXX-unauthorized 2.XXXX- XXXX unauthorized 3.XXXX XXXX XXXX unauthorized 4.XXXX XXXX XXXX XXXX-unauthorized 5.XXXX XXXX XXXXunauthorized 6.XXXX XXXX XXXX- XXXX-unauthorized 7.XXXX XXXX ( Unclear about this inquiry thought this was me checking my own credit and did n't know this was a hard inquiry )

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 2018-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with 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