BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Original Creditor : 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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : 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 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 first wrote to the Trans Union on XXXX about my name and it being reported wrong on my credit report as well as names not belonging to me, for instance, my wife 's name on my credit report and sent them my license as well as my social security card and also my utility bill showing my address I have lived at for the last 22 years all of which was sent certified mail and had documents also notarized. 

they still did n't get the information correct as I had to send another certified mail on XXXX with the same information as the last time license, ss card, utility bill and notarized documents and when I pulled my credit report I still show my wife 's name which is XXXX XXXX XXXX ( maiden ) XXXX. 


XXXX XXXX XXXX this name is wrong and needs to be corrected XXXX  XXXX XXXX this name is wrong and needs to be corrected XXXX, XXXX this name is wrong and needs to be corrected XXXX, XXXX, XXXX this name is wrong and needs to be corrected my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, Hawaii XXXX All other versions are incorrect and by law must be removed as per the FCRA since they are 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 non-monetary relief
Consumer complaint received 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit XXXX via mobile deposit from a settlement that ive been waiting on for months. Deposit check  on XX/XX/XXXX wont be avail for XX/XX/XXXX. Not acceptable at all. I feel like they are gaining interest while its on hold and should not take that long for a check to clear. If that was the case i should've just cashed it. Somewhere else. Numerous customers are having the same issue. I just want my #

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 2019-06-18
Company: ID Analytics, 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:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: LEXISNEXIS
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:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. 
I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Yesterday, XX/XX/XXXX, when I was getting ready to go home after work, I couldnt locate my vehicle. I started to panic. There arent any notice or anything. So I called the sheriff. Turns out, it was towed by the finance company I loaned the car from. I am 6 months XXXX, with a very complicated XXXX, and I have no car to get home. I was stranded and didnt know what to do. I was asked to call the company, someone answered and told me to call back at XXXX the next day. So I did. I was given XXXX different numbers to call, one after the other. Finally it was confirmed that it was repossessed. 
I was struggling to make payments ever since the pandemic so I requested for extension which they granted. But i still cant pay back that balance. I was still making one payment after the other. Anyway, I called and talked to the lady. I explained to her that I need to retrieve some important items in my car which is my presciption medicine. She said my appointment is not til Friday morning. Its only Wednesday. Shes expecting my XXXX XXXX to settle down on its own until then? This is so inconsiderate. I know I owe money and I am willing to pay, but this is against human rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
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:
I have contact Equifax a few times in writing regarding 3 collection accounts that they are reporting on my credit report. 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX. The last letter I send certified with tracking number XXXX. In which they have failed to comply and send their method of verification I also requested they remove any other names besides the one listed on my letter that I send them and any request that they remove any other addresses listed besides the one on the letter I submitted to them. Not only is my name common there are others in my area with same name as myself. No ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX XXXX so they have failed to prove and refused to delete the unverified, unproven or no complaint accounts that they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company has not answered yet my previous complaint # XXXX I am resuming here the status of the complaint : I signed with Bayview Loan Servicing LLC the attached PERMANENT MODIFICATION LOAN AGREEMENT in XXXX that shows I was complying with the modification terms and never being in default as proved in Court in XX/XX/XXXX. Bayview filed a frivolous foreclosure on XX/XX/XXXX against my home claiming amounts out of this modification ; Bayview sent innumerous harassment letters almost two years prior to the filing of the frivolous foreclosure, always claiming unlawful amounts out of the above modification. 
After 21 months have passed Bayview hasnt rectified their position yet ; they transferred the Service on XX/XX/XXXX to XXXX XXXX who also transferred the service to XXXX XXXX XXXX on XX/XX/XXXX. 

Notice of error was sent to Bayview

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Mr. Cooper Group Inc.
State: NY
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:
While reviewing my reports I noticed that Seterus loan number XXXX is reporting erroneous information to the credit bureaus ( specifically XXXX and XXXX ). They are reporting that the account closed in XX/XX/XXXX and are reporting payments as late XX/XX/XXXX while the property sold in XX/XX/XXXX causing a negative impact on my credit score and history. 
When I called the customer service department of Seterus at the number listed on the credit bureaus ( XXXX XXXX ) to request appropriate reporting of the closing date and payment history I was told that the last transactions that are seen on their records posted in XX/XX/XXXX. 

PS : Please note that at the time that I had this loan I was using my maiden name XXXX XXXX and when I called the number given I spoke to a person in the customer service department of a company name Mister Cooper which is a company that I had never had business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
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: Information belongs to someone else

Complaint:
I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has resulted in inaccurate information reported. Equifax is reporting a Bankruptcy Case under my name which is inaccurate. This inaccurate reporting is a direct result of the Equifax Data Breach from information that belongs to someone else and is a result of fraud and errors from Equifax. Upon m check with Equifax it has been determined this breach has affected my personal information by this incident. I have filed my claim against Equifax but are now left to dealing with the inaccurate information reported on the behalf of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX CapitalOne Bank Prepaid Personal Credit Cards To whom it concerns : I have just received a Statement from Capitalize by mail. This statement dated XXXX XXXX XXXX regarding XXXX XXXX account for account holder XXXX XXXX XXXX ending in XXXX. 
This statement reflects charges you placed on the account after this account was paid in full and closed by the myself, XXXX XXXX XXXX ( account holder of record ) by phone on XXXX XXXX XXXX. There is record of this conversation. 

Your information on statement with billing cycle XXXX XXXX XXXX - XXXX XXXX XXXX is wrong. 
All provisions were taken at the time the phone call was made to your billing dept. on XXXX XXXX XXXX to insure all information was up to date and any and all charges were paid in full. 
You have kept the account open. You have added charges. You have billed for transactions you placed on this account well after it had been closed by the card holder. 

All of these actions on your part are illegal. These charges are not the responsibility of the card holder and will not be paid. 
Attempts contact you online have failed. Your company has fail safes in place that prevent the card holder from accessing any and all online resolution services and complaint procedures, as the account is listed as currently " suspended '' rather than closed. 
This is a violation of what was requested by myself ( the card holder ) You are to cease and desist any activity on this account. No interest charges or fees are to be added onto this account. No negative credit reporting due to your questionable billing practicing will be tolerated.

Further, complaints have been filed against you with The Federal Trade Commission, Better Business Bureau, and The Consumer Financial Protection Bureau. 

It is expected you will ignore this correspondence due to past experience attempting to communicate with your Company. I advise that you do not. 
Action will be taken against you if you do not clear these fraudulent charges from the account and process the card holders previous request to Close this account. 

I await your reply XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert that IC systemXXXX XXXXXXXX put a collection from XXXX XXXX on my credit reports for {$910.00}. I never had XXXX XXXX. I never received any bills or collection notices from this company. According to the FCRA, credit reporting must be legal, and notices are supposed to be sent before submitting anything to the credit bureaus. This collection is illegal and fraudulent. Again, this isnt my mine. I never had XXXX XXXX. I dont even have this company in Pennsylvania 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 2017-11-12
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX, The amount is {$70.00} I called the utility company and told them there was a reporting error on there end and it was effecting my credit. The utility company told me, it was the credit bureau job to fix it. so I called the credit bureau and it still is showing on my credit even thou the utility company send them a letter stating that, there was no debut and it should be removed. This was going on for XXXX now, I 'm trying to buy a home. It is still on my credit. The credit bureau said there was nothing they can do, but put a zero balance.

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 2017-11-12
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a debt collection call on XXXX XXXX XXXX. Notified Professional Debt Mediation over the phone that I disputed the debt and that I wanted complete proof. XXXX XXXX then continually asked for my email address even though I specifically stated numerous times I want the debt sent by mail, not electronically. He became very apparently annoyed by this. He then asked me if I was in the military, which I told him was not relevant to this debt. He responded to this by saying it is relevant, and asked if I was aware how having a debt can relate to the XXXX XXXX of XXXX XXXX. The tone and vocabulary he used sounded as though he was threatening military punishment for this debt. 

After this call, all they sent me was a letter showing the amount of debt XXXX {$160.00} XXXX and no proof. They did not send me proof until XXXX XXXX. This packet included that my former leasing office was keeping my security deposit and further charging me for damages. In that letter, the debt collector stated that they would not call me any longer. They called me again on the XXXX of XXXX, XXXX and XXXX of XXXX. 

I still dispute this debt and do not believe I owe the amount specified.

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 2020-02-17
Company: The CBE Group, Inc.
State: AZ
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:
There is a " Derogatory Remark '' on my credit report. It is from a collection agency, CBE Group. From my research on the internet, it appears to be a debt originating with XXXX XXXX XXXX. 

This is not my account. I haven't had an account with XXXX XXXX XXXX since XXXX. 
I didn't have an outstanding bill, and it was an account closed 12 years ago. 
On the credit report is says the account was opened XXXX. 

I disputed this debt, through XXXX XXXX. I told them this is not my account. I checked my XXXX XXXX report today. Derogatory Remark remains, with the remark : " Account information disputed by consumer, meets FCRA requirements ''. Apparently, that just means that it was verified that CBE bought this account for collection. 

It is not mine. I want this removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I informed the loan provider that the property had delinquent taxes even though I had made all payments in full and in a timely manner to Escrow. 

Amount for XXXX : around {$8500.00} Amount for XXXX : around {$400.00} On XX/XX/XXXX, after multiple follow ups, the company told me they have investigated and see no issues at their end. 

The same day I explained to them where I was seeing the issue. The representative then mentioned that there seems to be an incorrect parcel number at their end so taxes are not being paid on time. 

I was told I will receive an update by XX/XX/XXXX. I did not receive any update. I followed up every day and was told I will get an update the next day, which never happened. 

Finally on XX/XX/XXXX, the amount was debited from my escrow account and I was provided a XXXX tracking number saying that the payment would be sent overnight to the county. 

The payment was never sent! 

Upon more follow ups, I was told the payment would get to the county by XX/XX/XXXX. On XX/XX/XXXX morning, I was told the payment went out that day. Today is XXXX XXXX - there is no update on the XXXX label or the county website and the money has been debited from Escrow. 

It is unbelievable the amount of work this has caused after making all payments on time. Completely irresponsible and unacceptable.

Company response to consumer: Closed with explanation