BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 called transunion last week after sending in numerous inquiry removal letters through certified mail for the last past couple months. All the other credit beaus removed the inquiries, but transunion is not removing them. So I called last week the beginning of XXXX and spoke with a young gentleman about the process that i was taking and the reason and nature of my call, and he explained to me that there was nothing the he could do and that I would have to write more letters along with another form and sen it in all because the letters sent was not going to do anything. Being aware of the credit rights I explained to the gentleman that once the inquiries were wiped from the other reports that transunion was suppose to do the same. He further explained to me that this was incorrect and that he could not accommodate my request.

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 2018-09-12
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I receive about 4 phone calls a day regarding my student loans, and how I qualify for assistance even though the deadline has passed I could still be eligible. However, I decided not to kick-the-can down the road and I refinanced through a private lender. I tell these people that call me from XXXX that I am no longer eligible for these forgiveness programs bc I now have a private loan. They say they can not remove me from the list and call me about an hour later. OR they say they will remove me and still call me an hour later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
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 fraud alerts or security freezes

Complaint:
I called TransUnion XX/XX/18 regarding data error using the number provided online from free credit report. I was connected to an offshore representative without my knowledge. I was not alerted my call was re-routed to a foreign country albeit to an employee of TransUnion. Because my call was routed outside the US and the information requested included my US Social and other personal data it occured to me my shared data was potentially at risk. I only realized I was talking to a foreign national due to the delay over the phone. I requested to be re-directed to a US based representative. I asked if the call was secure and encrypted otherwise my voice and vocal responses could potentially be hacked/tapped in the foreign country used by TransUnion to re-route my US based inquiry. This may be a common cost saving initiative by all Credit Bureaus but it potentially represents a glaring gap in security because its routed un-encrypted through a foreign telecommunication system. While I was assured Transunion makes every effort to secure information AT its offshore locations this is not a safeguard for interception of call TO those offices in foreign telecommunication systems subject to foreign unknown laws. At a minimum if a call is routed outside the US and representatives are collecting personal data you need to be informed at the outset of the discussion with a representative. This needs to be fixed asap.

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 2017-09-15
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This credit collection agency states that I owe XXXX for a bill that is n't mine. I have never received their services ad furthermore I was a minor at the time of this service. I contacted the collection agency on XXXX17 and was told it was mine and anyone could have gotten it in my name. Well duh is n't that identity theft????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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 2019-03-29
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: Account status incorrect

Complaint:
In XX/XX/XXXX I contacted XXXX my student loan servicer to apply for my SCRA Benefits a service member to deferrer my student loans because I was on XXXX XXXX I was approved and my student loans that are currently open where deferred and the close student loans from XXXX where updated. This was sent all three credit Bureaus on XX/XX/XXXX XXXX. my XXXX  and XXXX Credit reports where updated correctly however my Equifax credit report was not, only the open accounts where corrected but not the closed accounts. I contact XXXX made them aware of the error they sent it an correction to Equifax Twice and my account was not updated to no delinquency or past due form XX/XX/XXXX until XX/XX/XXXX. I contacted Equifax on numerous occasion and have not gotten this resolved. Attached are email correspondence between myself and XXXX and Credit reports showing that my account was updated correctly on XXXX and XXXX but not Equifax also I have a letter from XXXX from when that last time they sent an update to all the credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As of XX/XX/2019 Payment due for Sears Credit Card, I had following two outstanding balances : Promo # 1. $ XXXX/- 0 % APR Expiring on XX/XX/2019 Promo # 2. $  XXXX/- 0 % APR Expiring on XX/XX/2019 ( Which includes $ XXXX/- as Balance Transfer fee also on 0 % APR ) I spoke with Sears Customer Service over the phone and confirmed that If I send the payment of $ XXXX/- on XX/XX/2019 it will be applied to completely satisfy the balance of Promo # 1 and wipeout the balance expiring on XX/XX/2019. 

But when I send the payment of $ XXXX/- on XX/XX/2019, it was instead applied partially ( $ XXXX/- ) on Promo # 1 and {$140.00} from this payment to clear the {$140.00} ( balance transfer fee ) which is part of of Promo # 2 and on 0 % APR till XX/XX/2019. 

I would like to complain : 1. Why did the payment was not applied fully to clear the balance on Promo expiring soon?

2. Why did the Sears Customer Service confirmed me incorrectly that the payment would be applied to clear the balance first but failed to conduct same. 
3. It is clearly violation of consumer right to apply the payment on early expiring balance first.

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 monetary relief
Consumer complaint received 2020-12-16
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2018-09-12
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 information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.

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 2019-01-08
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
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: Their investigation did not fix an error on your report

Complaint:
Equifax reported two different bankruptcy. I disputed the two items and they were deleted on XX/XX/2018 and they turned right back around and put back on my credit report. They said they verified with the bankruptcy court but I have a letter from courts they do not verifty any information with credit bureau or third party companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First we have had a mortgage with US BANK for more than 13 years we have been charged 9.5 % interest the whole time we requested a refinance and was denied cause they can make more money this way and because the house is located in the flood plain we cant find another lenders and are forced to pay this ridiculous amount

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   partial account numbers are listed in the spreadsheet attached this complaint. ( Please also reference the following pages on the attached credit report : 8, 9, 10, 11, 12, 13, 14, 15, 16, 30, 31, 32, 33 and 34. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 

XXXX and Transunion is reporting incorrectly that I am 120 days past due on the XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please reference pages 40 42 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 


XXXX is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers are listed in the spreadsheet attached this complaint. ( Please see pages 43 AND 44 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
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: Information belongs to someone else

Complaint:
I reached out to Experian XX/XX/XXXX with information that has been on my credit report for awhile and the items does not belong to me i filed a FTC report and attempted to get a police report, but they stated since nothing tangible was taken they couldn't make an official report. I have items on my report that are not being validated I explained to them these items where fraudulent accounts that i did not open. I reached out to XXXX/XXXX the company reporting the accounts and they stated they couldn't find my information on file or it was transferred to a different department in which they didn't know to who. So if that's the case then they can't validate the account is mine Experian responds saying it was verified as mine but i never received any documentation showing I owe XXXX bucks because the documents don't exist. My other issue was a centerpoint account from XX/XX/XXXX its stating i owe XXXX in which i never had an account with them i called and asked them to send me supporting documents and they did't have any of my information in there system and tried to offer me an account i relayed the information to Experian to have this invalid information removed and they say it was verified as mine and i didn't get any documentation nor does the company have me on file.

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 2019-03-29
Company: EQUIFAX, INC.
State: NJ
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 delinquent accounts that do not belong to me. i attached all accounts associated and does not belong to me. 2 collections and 6 late accounts I. don't understand, please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: SYNCHRONY FINANCIAL
State: CA
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:
Received collection notification from XXXX XXXX. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for Sycrony Bank / Paypal. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.

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 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither Transunion nor XXXX  will rwmove this fraudulent information.

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 2019-02-25
Company: EQUIFAX, 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:
I disputed the Account of XXXX XXXX with Equifax more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for Equifax to validate this account with a person and out the use of XXXX or any other automated validation systems and validate that they have the original signed contract for this account. 

Equifax has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. 

PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. 

I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. 

PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. 

HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S )  ARE APPEARING IN THE SYSTEM. 

THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Google Compare Credit Cards Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Google XXXX has been deleting my bad reviews of apps from XXXX. I find that XXXX apps are scams that steal information about me that is stored on my phone or other app accounts. There have also been false claims of winning money to watch commercials. A lot of these commercials lead to scam websites for jobs that want money to hire you. And loan apps that lead to unwanted phone calls and texts. Google XXXX  also places apps on my phone without my permission that it won't allow me to uninstall. Like XXXX apps that can be gotten from The XXXX XXXX app store

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: General Motors Financial Company, Inc.
State: SC
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:
My credit report reflects a hard inquiry with XXXX  XXXX on XX/XX/18. I did not make any hard inquiries and have not authorized my credit to be ran for any transactions. After calling XXXX, I was told that my credit was ran at a XXXX XXXX in South Carolina. I have not been to any dealerships or made any inquiries. XXXX has been essentially useless in helping to escalate this issue. My credit report has been negatively affected and somebody obviously has my social security number and other personal information.

Company response to consumer: Closed with explanation