BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Again you telling me a computer reach out and talk to someone and verify all my information and and again by law I'm asking you to please provide me with the information by FCRA act. All my rights been violated violated by all three major credit bureaus along with consumer financial protective burea... I'm ask by law whom did you talk to time date phone number

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 2023-04-26
Company: Global Lending Services LLC
State: IL
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:
Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.

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 2023-04-26
Company: Aargon Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Per the FCRA I have the right to request a debt validation which they say I owe, and they have not fulfilled my request. they updated my account at XXXX as verified how was the account verified?

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 2015-11-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my credit report by email with no success. Tried by calling in telephone, same, no luck it kept dropping me. Tried by mail I could not download the form. 

My whole morning is ruiened

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
( Reference CFPB Case Number XXXX ). I filed a CFPB complaint about XXXX XXXX/ XXXX XXXX Credit Card where the purposely moved money around in my account so that I would pay more interest. After I filed the complaint- they changed my regular account to a {$350.00} Balance- which is fraudulent. I only made one purchase in my regular account over the past year and it was for {$220.00}. 

How can I have a {$350.00} balance on my regular account when the only purchase I have ever made was $ XXXX and the {$220.00} was supposed to be paid off according to a conversation with XXXX XXXX XXXX  XXXX Customer service on XX/XX/XXXX. 

I received a letter from XXXX  XXXX  dated XX/XX/XXXX from a Ms. XXXX XXXX ( XXXX ) XXXX Extension XXXX and attempted to call her back many, many times. She will not return my phone calls or answer the phone. I do not believe this person exists. 

I was supposed to have only 2 deferred interest accounts open on my XX/XX/XXXX statement, but because I filed a CFPB complaint, my statement came in WITH FOUR ( 4 ) open account lines ( 2 deferred interest, 1 regular account and 1 fixed pay ) and a XXXX regular balance WHICH IS A LIE BECAUSE I NEVER MADE ANY REGULAR PURCHASES MORE THAN XXXX DOLLARS! 

I worked this out with Customer Service and when the error showed up on my XX/XX/XXXX Statement- the Customer Service representative WOULD NOT WORK WITH ME to fix the problem. This is why I had to file the CFPB complaint. 

This company should be shut down for malpractice and criminal activity. I will NEVER make a purchase from XXXX XXXX AGAIN!

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 2016-02-26
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Consumer Financial Protection Agency Dear Sirs, Madam Re : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ever since I received a copy of my mortgage statement in XXXX I noticed that they had paid for XXXX house insurance policies for 2015. I had changed my insurance company from XXXX XXXX to XXXX before the XXXX policy expired in the month of XXXX. I had told XXXX to cancel at that time. The policy amount paid by the mortgage company, XXXX Mortgage, was over {$4800.00} where the policies with XXXX and XXXX were about {$2300.00} and {$2600.00}, respectively. I called the mortgage company and they had no answer for the double payment. The only information I got from them was that the XXXX payment was returned to them in XXXX 2015. To this day I have had no communication returned to me at all except for XXXX XXXX XXXX with Freedom, telling me she does not handle these complaints. Please help me with this problem as I do n't know how to make them listen to me. 
Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXXXXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions 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 have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.

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 2023-08-08
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: Personal information incorrect

Complaint:
I XXXX XXXX XXXX XXXX, am filing this CFPB complaint concerning the continual reporting of inaccuracy on my personal information I have disputed this several itmes. And, yet the credit bureaus keep reporting it on my credit files.

In the credit agencies response, they are saying they report what is being given by creditors.

That is a bold face lie, because I only have one account of concern. And the personal information that is being reported is years old. I dont have any accounts that are reporting on my credit files. Are actively associated to any address, or names currently on my credit files.

This is the credit agencies way of trying to keep the personal information on consumers file. The FCRA says that information is to be 100 % accurately, apparently the credit agencies. Do not know what 100 % accuracy is, therefore they are continually violating federal laws " This is why the credit agencies are constantly being sued. And should be because consumers are constantly dealing with this The personal information on my personal files are outdated and old. Where I no longer have lived for years, so why isit still on my consumer files.

Its not like I can receive any mail there, or be contacted there if I do not live there.And this type of actions aides in fraud and identity theft by having old information on my file.I demand that my personal information be updated to 100 % accuracy.

Which, is my current address listed on my consumer files. There are addresses on my credit file that I have never lived at. Per the FCRA, 15 USC 1681 ( a ) ( 4 ) .There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, and respect for consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumercredit report with the exception of : Legal Name : XXXX XXXX XXXX XXXX Legal address : XXXX XXXX XXXX XXXX, Texas XXXX Delete : My XXXX XXXX Delete : My SSN # XXXX Delete : My Phone number XXXX XXXX Delete all other personal information listed on my consum, er file. It is my intention under federal law, to pursue legal actions. For any inaccurate personal information that is not deleted. 

I have obtained a federal complaint form from the Eastern District Federal Court. In Texas where I live to file a Pro-Se complaint against all agencies who do not remove the inaccurate personal 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 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH XXXX, SO I CALLED XXXX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING XXXX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM TRANSUNION SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR TRANSUNION CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT TRANSUNION. I ONLY CALLED XXXX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT TRANSUNION, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!

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 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

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 2018-12-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint against experience with your organization. Experian had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. Experian reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. Experian also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.

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 2018-05-17
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 have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Account information incorrect

Complaint:
Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Though these credit bureaus have been notified they're reporting inaccurate information they still continue to do so and have not been given MY permission to furnish this inaccurate information on 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 2017-03-30
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2016-11-30
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Our house was affected by the flood in XXXX, la on XX/XX/2016. We have flood insurance, filed a claim with our flood insurance provider, indorsed the check that was issued, and sent it over night to our mortgage company. The mortgage company advisors/employee 's advised that I was not able to self contract the work even though I have friends that are certified contractors who were willing to help me without charging. They stated several times, that I could submit a letter to corporate, but I was basically spinning my wheels. I have all paid receipts for the material, and have approximately XXXX % of the work completed inside of my residence. I would like to have an inspection, and the insurance money in which I have paid for to be issued to me and my fianc in order to replenish my bank account.

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 2023-08-07
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-10
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX continues to report a late payment when they are in clear violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. 
( II ) Covered period The term covered period means the period beginning on XX/XX/2020 and ending on the later of ( aa ) 120 days after XX/XX/2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

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 2022-07-14
Company: EQUIFAX, 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 am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX  assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as XXXX  days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting

Company response to consumer: Closed with explanation