BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The company is Transunion, I was car shopping and was looking for the best finance charge I could get. There were 11 inquiries made on XX/XX/XXXX to the XX/XX/2018. I was under the understanding that if your inquiries are with in 14 days of each other it counts as one inquiry, Trans Union counted them as 11 different inquiries they did the same on XX/XX/XXXX & XX/XX/XXXX which makes my credit report look really bad 20 plus inquiries, now the credit union will not give me a loan because of to many inquiries. If they would show them as 1 inquiry each it In XXXX and XXXX it would show as 2 inquiries and would not affect my chances of getting a loan. When I agreed to have these auto dealerships find me a loan at the best rate, I didn't agree to 11 or more inquiries which now is preventing me from getting a loan. There needs to be some kind of change to how they show these inquiries so people like me do not get affected. Its not just trans union either all three do this but the other 2 seem to lump some together. Trans union does not.

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 2020-07-31
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: Old information reappears or never goes away

Complaint:
I spoke with XXXX XXXX yesterday about an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with TranUnion. 

I told them that they are reporting it to TransUnion so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so XXXX XXXX doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

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 explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account is frozen by Wells Fargo. They will not allow me to remove my money and close the account. The custodian over my account died XX/XX/2017. My daughter has been appointed the new federal fiduciary for my VA compensation. They have refused to release the funds in the account to me or my daughter. I am a older person and need help in this situation. I have asked my daughter and son to help me and so far no one cooperated with them either. The freezing of this account has caused a financial hardship. I have had to borrow money when I should no have to because I have money in that account. But my creditors do not care about that they want their money, property or product. Please helpme. I and my children have tried everything in our power. My son even emailed a death notice from the XXXX XXXX. Because Wells Fargo is requirng that I submit a death certificate for the former federal fiduciary. Inspite of the fact he is not a family member and I did not have a personal relationship with him.

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 2019-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is an update to XXXX-XXXX  about USAA and XXXX-XXXX about USAA. 

The company ( usaa ) never gave it back as ordered by the president and ceo ( XXXX ) XXXX XXXX, or the XXXX ( XXXX ) that never belonged to them. 

Attached is a current update if the account ledger. They shuffled numbers around and erased and added some new stuff either way it is fraudulent and they still owe me the funds as reported to you. This is an update of the reports on USAA the two instances where they owe me XXXX. And later XXXX. 


It was never given back to me even after I was emailed and called and told that it would be given back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I reached out to Experian to have this issue solved. They did help a little bit but have missed a few items that still do not belong to me due to fraud. I did put a fraud protection alert on my credit profile. 

Items that do not belong to me XXXX XXXX- XX/XX/XXXX Inquiries not made by me are listed below, XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX- 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 2021-03-25
Company: PLANET HOME LENDING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Planet Home Lending. While with XXXX XXXX  I recieved a loan modification in XXXX which was finalized approved by the XXXX XXXX. Once the transfer took place Planet Home lending did not acknowledge the modification until I called several times and they were and still are reporting my mortgage as severely delinquent. Ive continued to speak with them monthly to make my usual payment yet still receive statements showing Im delinquent. Their XXXX XXXX filed a claim and then withdrew the claim as it was acknowledged that mortgage is no longer included in my active bankruptcy because once again it has been modified. My last communication was today XX/XX/XXXX and XXXX told me she reached out to her XXXX on XX/XX/XXXX and there still has been no update.I understand XXXX XXXX  maybe also did not transfer over my information properly but now that Planet Home has the correct information it still has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a veteran of the XXXX. Job moved out of country. House went into foreclosure. NJ Hardest Hit Program approved me for their NJ Homesavers program. Caliber Home Loans refuses to recast the loan even though the VA states that they are able to do it.

My sheriff sale is XX/XX/2018, NJHMFA and the VA are working hard to push this through and they have run into a brick wall with Caliber Home Loans says no to recast of Mortgage.

I will have to go Chapter XXXX  Bankruptcy if things fail to keep me house which is unfair because NJ Hardest Hit Fund has XXXX they want to put on my mortgage with Caliber Home Loans and save my credit and save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: SUN LOAN COMPANY 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:
The Sun Loan account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you 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 2020-07-31
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited XXXX XXXX XXXX for an XXXX XXXX XXXX. When I booked my appointment, my insurance was verified and it was understood my copay is {$5.00}. Following my visit, when XXXX XXXX XXXX file insurance claim, they changed the billing code to other than XXXX XXXX XXXX. I have informed the XXXX XXXX XXXX XXXX of this billing error, and was told it was going to be corrected I suspect insurance fraud, since the billing is not what was my visit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is contacting me about a auto loan from Santander Consumer. Santander had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to XXXX XXXX with whom I have never done business. I keep getting harassing calls and threats from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a 2nd complaint to a previous complaint # XXXX-XXXX  I made with you guys.. We had 3 forgery checks that the bank said could take up to 90 days.. The original fraud claims made on XX/XX/14 it is now XX/XX/14 and our fraudulent checks funds have not been returned 4 months later.!! This is absurd, they are insured for this, and we still don't have our money back!

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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting a fraudulent entry on my report from XXXX XXXX XXXX XXXX. 
Also, there are continuous hard inquiries from XXXX XXXX, which I did not authorize and XXXX has admitted it was fraud.

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 2018-06-14
Company: KEYCORP
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Secured a personal line of credit and personal loan from Key Bank to pay off credit cards. The credit cards were at XXXX XXXX. Key Bank sent a payoff check to XXXX XXXX XXXX, and there was an incorrect account number on the Key Bank payoff check, and so we had to cancel and reissue the check, which took two months, from XX/XX/XXXX to XX/XX/XXXX. Between that time XXXX XXXX   chose to charge interest and late fees, I tried to reason with XXXX XXXX, but they claimed they had no legal obligation to backdate the final correctly labeled check to XX/XX/XXXX given the the first check was incorrect from Key Bank. Key Bank said they would pay the remaining {$140.00} and some change that was the late fees being charge by XXXX XXXX  as a gesture to me a new customer. Key Bank said that they would handle the account from there to close the XXXX XXXX   accounts, and no further action was needed from me.

In XX/XX/XXXX I began receiving phone calls and emails from XXXX XXXX, saying that I had a remaining balance greater than {$400.00}. Saying that I never closed the accounts so therefore they continued to charge late fees and interest. I was very confused given I had been informed by Key Bank that there was a XXXX  balance. I filed with the CFPB for XXXX XXXX, and XXXX XXXX  said that they never received the alleged {$140.00} from Key Bank, and therefore the account was never closed. XXXX XXXX agreed to waive the late fees, acknowledging that this was not a deliberate delinquency.

I then have attempted to contact my local branch repeatedly to get some sort of evidence proving that Key Bank sent the {$140.00} to XXXX XXXX back in XX/XX/XXXX. The manager at my local branch informed me that the amount was sent electronically and therefore there was nothing she could provide for evidence. I have tried calling and emailing the local branch, and asking for contact information for an executive. The local branch has stopped responding to my phone calls and emails at this time.

I need Key Bank to refund to me the {$300.00} that I paid to XXXX XXXX this Spring, the remaining principle, plus interest, minus the waived late fees. I need Key Bank to amend my Credit Report - saying that I was under the false representation that the account was made XXXX, and therefore, the fault lies with Key Bank that my credit score is haggard due to the several transaction mistakes on Key Banks responsibilities.

1. the first check was incorrectly labeled and the subsequent late fees and interest accrued 2. The alleged {$140.00} can not be traced, seen, or acknowledged by either party.

3. Key Bank informed me that they would follow through on the account and that no further action was needed from me to ensure the account was handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Bread Financial Holdings, Inc.
State: NJ
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 two Woman Within Credit Cards and one XXXX credit card with Comenity bank. I went onto a hardship payment plan in XX/XX/XXXX not missing one payment and paid all three credit cards off in XX/XX/XXXX. My credit reports have me late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even with paying the balances off in full!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing, first wrongfully reported me to be late in making payment by wrongfully allocating the monthly payment towards the principal and then began to charge late payment fees. They do this on a regular basis. PLUS they reported me to the Credit Reporting Agency for late payment, when we did not miss a single payment to them. What they do is simple. In the month of XX/XX/XXXX ( the short month ) any payment received on XX/XX/XXXX for XX/XX/XXXX is  allocated as a " DOUBLE PAYMENT in the same Month '', as they receive one payment on XX/XX/XXXX and another on XX/XX/XXXX. This works each time as I make my payment reach them on the XXXX of the month. XX/XX/XXXX being 31 days and XX/XX/XXXX being shorter in length, they end up getting two payments in that month. So they allocate a payment without your consent or information to the PRINCIPAL balance, as if by mistake. BUT the intent is to charge you late fee of around {$100.00} per month.

WITHOUT MISSING A SINGLE PAYMENT, they have reported me late. My case Number with them ( XXXX ) and NC Department of Justice ( XXXX ) is ignored and they reported me to XXXX as delinquent ( Case No. XXXX  ). They have done this trick for the THIRD TIME. Their Ombudsman lady XXXX XXXX writes long jargon filled letters that do not address the complaint and try to side swipe their customers with fraudulent charges by wrongful manipulations without your knowledge or consent. OCWEN is a corrupt financial institution like XXXX, that is cheating people and has built-in cheating mechanisms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2018-06-14
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent.

I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
This is related to the earlier ticket XXXX. 

I asked them to just use one name " XXXX XXXX '' and remove the other one " XXXX XXXX. And their response was " We reviewed your complaint and apologize for any difficulty you may have experienced. We deleted the other name XXXX XXXX, per your request from the credit report. '' They made a mistake. 

I also asked them to explain what it means by " reported '' for each of the three other information types ( i.e. addresses, telephone numbers, and employment data ). Their response was " Please be advised, the date reported are reported by you creditors when they have verified the personal identifying information. '' This is off the point, incomplete, and inadequate.

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