BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-06
Company: EQUIFAX, INC.
State: CA
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 have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. XXXX will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and XXXX still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Early Warning Services, LLC
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:
XXXX XXXX XXXXXXXX has placed me in XXXX XXXX and or Early Warning XXXX due to ATM Fraud that took place on this account. I called in and spoke with a XXXX XXXX XXXX agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked XXXX XXXX XXXX to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: AL
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 informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit 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 2019-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with Bank of America. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from Bank of America indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. Bank of America would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX.  However, Bank of America has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score. This {$890.00} debt does not exist. It was written off by Bank of America in XX/XX/XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and Bank of America took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still 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 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
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 have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. XXXX will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and XXXX still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.

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 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit 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 2021-06-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX  again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from Experian that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX  each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of this

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 2020-04-24
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In mid XXXX of 2020 I contacted the " special loans '' dept. of my Mortgage servicing company ( Dovenmuehle ) and I spoke to " XXXX '' regarding a one time " recast '' request in order to lower my monthly mortgage payments. 
On XXXX I received mail from Dovenmuehle dated XX/XX/2020stating that if I were to wire them {$130000.00} plus a {$300.00} fee my monthly mortgage payments going forward would be reduced from {$2300.00} to {$1500.00}. On XXXX I requested my credit union ( XXXX ) to wire Dovenmuehle {$130000.00}. Unfortunately, XXXX made a clerical error and wired {$150000.00} instead. 
When I received my XXXX mortgage statement I noticed that my monthly mortgage payment still remained at {$2300.00} and the {$150000.00} payment went to reduce my principal. 
I contacted my credit union and they acknowledged their error and suggested that I contact Dovenmuehle and claw back the difference. I contacted " XXXX '' again ( not an easy feat ) and she stated they would fix my issue within days. When I did not hear back from " XXXX '' I contacted my credit union and a senior officer " a problem solver '' conducted a 3 way phone call ( poor guy was on hold for over half an hour ) between me XXXX and him. In order to make this transaction more expedient I agreed to give Dovenmuehle the entire XXXX and not to claw back any monies wired to them in return would have a lower monthly payment of {$1400.00} communicated to me via a letter dated XX/XX/2020. 
When I went on their website to make my XXXX payment I was not able to do so as it required that I pay the original {$2300.00} I made several calls to Dovenmuele and the reps. had no knowledge of my situation and would not transfer me to " XXXX '' or anyone else in the " special loans '' dept. 
On XXXX XXXX I received several documents from Dovenmuele which I had to get notarized and send back to them via self addressed XXXX envelope. I got the documents notarized the same day and attached my XXXX payment of {$1400.00} in a clear sealed envelope attached to the notarized documents. 
I have since gotten several debt collection calls from Dovenmuehle even though I have called several times and spoken to two seperate " supervisors ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: NC
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 challenged XXXX XXXX XXXX through Equifax sent Certified Mail on XXXX/XXXX/XXXX. They received it on XXXX/XXXX/XXXX according to my tracking number through USPS XXXX. I have yet to receive any documentation regarding my initial dispute and it has been more than 30 days. My credit report has never been noted that XXXX XXXX is under consumer dispute. I have called several times and have been on hold for more than 30 minutes. I have been unable to get in contact with a live Equifax Representative.

Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, they were unable to provide me with a copy of the verifiable and irrefutable proof that they have on file for every one even each any and or all of the adverse accounts listed below and they failed to do so within 30 days of receipt of my complaint challenging their compliance to true accurate and complete timely reporting they must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. They are in complete violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I found that {$330.00} had been taken out of my Huntington Bank Checking Account opened at the XXXX XXXX in XXXX Michigan, without my permission. Customer representatives at the XXXX XXXX are investigating and will get back to me. I researched and called Huntington Bank Corporate office in XXXX Ohio, explained unauthorized {$330.00} debited from my checking account. I have no credit card, mortgage or loan account with Huntington. My safety deposit fee is {$77.00} annually. Mr. XXXX a Corporate Executive received my voicemail. I was contacted by Ms. XXXX XXXX, who informed me that she was assigned to find out who and why Huntington Bank took the {$330.00} from my checking account. Weeks later Ms. XXXX told me she sent a letter USPS explaining what happened. Her explanation was that I had 4 years of unpaid safety deposit fees owed to Huntington. I was  assigned a safety deposit box in XXXX. I paid the year 1 rental fee or would not have received the 2 keys.I have not received any letter from Ms. XXXX XXXX, however I did a screenshot of her voice message and I have found 1 check that shows safety deposit payment. I am a Senior, who is tech savvy. I want my {$330.00} placed back into my checking account. My savings account with Huntington as of XX/XX/XXXX has the correct balance. My IRA with Huntington is FIDIC and SIPC insured and as of XX/XX/XXXX has the correct mutual fund shares and correct balance. I now moniter my Huntinton Accounts Weekly.! I can upload a copy of the check for {$77.00} and a screen shot of the voicemail from Ms. XXXX XXXX Corporate Huntington Executive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
this is my second loan with speedy cash and things went well, until the last couple of months, my company changed pay roll dates. I reached out to speedycash to see if I could change my due date, because each week, I have to extend out my due date and get more accured interest. I have never missed a payment and ca n't help that my company made this change, unfortunately I am not at an executive level to help with decisions as such. All I want is a due date that corresponds with my new pay cycle. When I reached out to customer service, I was told it had to stay the same as was only original loan documents. I do n't understand why that ca n't be altered, and no one took the time to explain that, I just received a no answer. 
Thanks! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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: Public record information inaccurate

Complaint:
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Shellpoint Partners, LLC
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: Public record information inaccurate

Complaint:
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to Shellpoint, who has a debt service contract with them. Shellpoint assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, Shellpoint transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXXShellpoint was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: AR
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:
A few months ago I Filed a dispute with Equifax and XXXX  pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: NY
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:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

Company response to consumer: Closed with explanation