BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX County and on XXXX XXXX, 2013 a  Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX XXXX ( a separate and unrelated entity from XXXX XXXX ) is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX XXXX. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the Court 's Order attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX XXXX have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX XXXX. This account was NEVER past due, delinquent or defaulted upon.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: IA
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:
Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit report

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion has created XXXX files under my name and they are not showing the correct information on my credit report. Despite calling them various times, sending them the documents nobody has taken an action to correct the issue. I was advised by Transunion to contact my creditors directly. However, when I contact my creditors all of them advised me that they have provided all the information to Transunion. Now, this issue is with Transunion to correct my file and merge into XXXX since all the creditors have been correctly reporting.

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 2022-01-10
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Doevenmule/XXXX  XXXX paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by DovenmuleXXXX can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citibank put a fraud alert on my card new Citi Bank American Airlines Platinum Advantage Card when I tried to use it. When I called Citibank to verify my purchase and my identity they had no response as to why they had set a fraud alert, and further said that because my phone number had changed, we could only verify my identity if I gave them one of my other bank account numbers. I was hesitant to do so, but they said that was the only way. Together we called my XXXX XXXX in the U.S. to verify my identity using my social security number, bank account number, and address. After my identity was verified by XXXX at XXXX XXXX, Citibank told me that they still would not remove the fraud alert because of my changed phone number. I told them that I could not " unchange '' my phone number and had complied with their every request in verifying my bank account and social security number. Several managers and a supervisor repeated that although I had verified everything, that my " phone number had changed '' and said an alternative would be to send a letter from the United States to XXXX XXXX where I am currently located trying to use my card to pay for a flight to the XXXX ( and where I have a XXXX XXXX phone number that Citibank was still refusing to call ). As I told them I was in the midst of trying to book a flight and traveling and could not receive any letter from the U.S, I wanted to immediately cancel the card. They told me I could not cancel my card since I had changed my phone number. They said I could neither use my card nor cancel the card. This is the worst experience I have ever had with a credit card, and one that not only prevented me from purchasing a needed air ticket, but may lead to late charges since they won't allow any access to my account, or even allow me to cancel my account. Let me reiterate that I did nothing wrong in trying to use my credit card -- it was Citibank who put the Fraud Alert on t he card and has no made it impossible for it to be removed although I complied with their every request to call my bank using my bank account, social security number, and address for their false fraud alert. There is no way for me to " unchange '' my phone number so this problem is unresolved. Also, according to legal ways of verifying identity- a phone number is not one of them. I need immediate assistance please as every phone call with CitiBank has not resolved this issue.

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 2018-01-16
Company: EQUIFAX, INC.
State: NC
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 do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent Bank of America credit card was opened in my name on XX/XX/2021. I have contacted Bank of America to alert them of this account and to have it closed and removed from my credit report.

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 2018-01-16
Company: EQUIFAX, INC.
State: MO
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:
Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXXor XX/XX/XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus Equifax, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
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 XXXX XXXX keeps pulling my credit report every couple of months. I went into arrears with a loan I had from them in XXXX and I ended up in the hospital for several months. I am now trying to pay off the loan, however they have hit my credit 5 times last year without my authorization and already 2 times already this year. How am I suppose to fix my credit if they keep pulling it without my consent. They closed the file in XXXX and reopened it and they keep doing that The dates it has been pulled are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
TransUnion has not updated my car payments as current since XX/XX/XXXX all payments has been paid on time am
d I have all statements as proof as no late fee 's or payments received to XXXX XXXX XXXX. When talking to XXXX XXXX XXXX  has stated to me they report every month and it seems Transunion does not correctly update information to this account as current and paid and its been 3 months and no payment update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off my job of 12 years I notified my lender, Mr. Cooper, that I was struggling to make my payments and that I was receiving unemployment. I was instructed by one of the representatives to complete a loan modification online which I did when I followed they claim they had not received it. I enlisted the help of XXXX XXXX XXXX XXXX who then proceeded to provide to Mr. Cooper by email the following : Unemployment benefits, retired XXXX XXXX  benefits, Homeowners Insurance, offer letter from my new position, and my XX/XX/XXXX tax returns and my loan application. These documents were sent twice once on the XX/XX/XXXX and then again on XX/XX/XXXX. XXXX XXXX received confirmation on XX/XX/XXXX that Mr. Cooper had received the documents. Today on XX/XX/XXXX poke with a XXXX XXXX in the Loss Mitigation who claims that they don't have the documents today. The documents were also sent to XXXX XXXX @ nationstar who is the president. It appears that because in California the Homeowners Bill of Rights have reinstated as of XX/XX/XXXX, that Mr. Cooper is trying to circumvent these regulations and Dual Track by trying to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX I had to have emergency surgery to remove a XXXX. Part of my large XXXX, XXXX and my entire XXXX was removed. I used my Capital One card to pay for some of the surgery. At the time I was temping at XXXX and did not have health insurance nor short or long term disability. I did not have any savings either since I had just relocated. I was supposed to return to work in 8 weeks. I returned after only 3 because I did not have any money. I called Capital One numerous times in XXXX, XXXX and XXXX of XXXX asking if I could pay {$25.00} to {$50.00} a month. That's all I could afford. They told me the amount was too little and they would proceed with the credit agency. They sued me. They are now garnishing my paycheck and it is an undue financial hardship. My check should be, after taxes, {$1100.00}. It was {$680.00} after the garnishment. I get paid twice a month so my paycheck total monthly will be {$1300.00}. My rent is {$870.00}. My car payment is {$420.00}. My car insurance is {$95.00}. My electricity bill is usually {$45.00}. That is a total of {$1400.00} for my bills for the month. This amount does not include food or gas for my vehicle. I am also the primary caretaker of my XXXX year old father who I sometimes help out financially. I have tried numerous times to negotiate with Capital One as well as the crediting agency but they referred me to the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
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 was going over my credit reports XXXX XXXX, Experian, XXXX and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.

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 2022-08-14
Company: EQUIFAX, INC.
State: WI
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:
Company put these inquiries on my credit without my consent. I have no business with these companies at all. XXXX XXXX, XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a checking account with XXXX XXXX. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX  called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that XXXX sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reportsXXXX 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 XXXXXXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers XXXX # XXXX this is a violation of HIPPA act and FCRA 609,611 please delete this error.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: MI
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:
he debt collector, XXXX, is claiming that I owe a cable provider debt that I do not owe. They claim that this debt was incurred in XXXXand this is OUTRIGHT FALSE. 

The last time I had cable television in my name was in XXXX or XXXX. As far as I remember, that account was closed satisfactorily with no payment due. However, even if this were not the case, this debt would be over XXXX XXXX XXXX. 

Furthermore, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX. Since I was there working the refugee crisis, my time in XXXX is well documented via major media like XXXX XXXX, and social media pages. 

At best, this company is REAGING old debt to make it appear new. A practice illegal and violating my rights to have my credit reported ACCURATELY. 

At worst, they are making up debt all together. 

Because I am rebuilding my credit and have VERY LIMITED number of accounts, the damage of this collection account has been immense and I have been rejected from many financial opportunities. 

I can not even get approved for the smallest card amounts and have been unable to rebuild my name because of their illegal practices. 

I disputed this account with Experian back in XXXX and this company verified the false information they are providing and Experian took their word for it without an further investigation that would have concluded this is NOT a valid debt or that it could possibly be recycled and reaged. 

As such, I would like to file a complaint against both Experian and XXXX. But especially against XXXX. 

For them to intentionally cause financial harm to Americans with false information after everything we went through with XXXX shutdowns is particularly repulsive.

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXX or XX/XX/XXXX these  are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus XXXX, XXXX, and Transunion do not want to remove them. The state tax lien is only showing on my Transunion report. Both items are stopping me to be able to establish positive credit please help and get them removed

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