BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion keeps leaving the same information on my report that is not mines

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 2023-05-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
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: Was not notified of investigation status or results

Complaint:
I received a recent copy of my credit report in XXXX of 2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, XXXX, and Experian, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

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 2020-07-20
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: Was not notified of investigation status or results

Complaint:
I received a recent copy of my credit report in XX/XX/2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, Equifax, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i took my car to a XXXX dealer in XXXX NJ back in XX/XX/2020 they told me that my sun roof drains were clogged and it was around XXXX i paid in good faith with the card the next day the repair was leaking into my car i returned the car the next day and they informed me that they were still clogged i paid XXXX and they didn't repair it. now i had water in the front of the car and the rear of the car the carpets were completely drenched they said that it would cost another XXXX to correct the problem and dry the rug. I said no way they said that the 2nd time the leak was fixed but the next rain day it was leaking again just like before. the car was taken back once again and it still leaked. i took the car back 5 times the last time the dealer had my car for one week. upon its return it still leaked. 
5 times and no fix to the problem plus i was out XXXX for repairs that were not fixed I notified the card issuers after this and even sent them the service receipts all 5 of them. 
The card co removed and then put back the charges 5 times it started in XX/XX/2020 and has been in dispute as of today now they put the charge back on my account and will not allow me to dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: NY
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:
Dear CFPB : In a conversation with several staffers from Citibank, I was informed by credit card payments were placed on hold because there were of large values. Keep in mind I made a payment of {$5.00} on XX/XX/XXXX and {$600.00} on XX/XX/XXXX. I contacted my bank after the monies were withdrawn by Citibank. Its XX/XX/XXXX and the balance is incorrect and Citibank refuses to update the correct balance. In addition, Citibank informed the credit bureaus that my available balance was still below {$300.00} which is well above {$1000.00}. Citibank has failed to provide me in writing the reason ( s ) for said hold and I've reached out to them on three separate occasions to no avail. I have submitted a separate CFPB complaint about a similiar situation in early XXXX, when Citibank representative XXXX informed me this once occurs once a year to all their clients well apparently this is the fourth time a payment was delayed to be reflected on my account for more than 2 weeks. 

I'm seeking an immediate release of all funds and an increase of credit or {$600.00} worth of credit applied to my account for the inability to use my card and the incorrect reporting of my balances to the credit bureaus. 

I'm also requesting CFPB investigate Citibank unethical and scandalous withdrawal processes.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2018-05-15
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Opened a credit card account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 SUMBITTED MY DISPUTES AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. WHY WOULD I NEED A CREDIT REPAIR COMPANY TO LOOK AT MY DISPUTES AND KNOW THAT THEY ARE FRAUDULENT. I ASKED THAT THESE ACCOUNTS BE THOROUGHLY INVESTIAGTED BC THEY DO NOT BELONG TO ME. I DONT APPREICATE MY CLAIM BEING GENERICALLY BEING DISMISSED AS A USING A CREDIT REPIAR COMPSNY. PLEASE REVIEW AND REMOVE THESE INCORRECT ACCOUNTS 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 2023-07-05
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
Hard Inquiry is still appearing and in XXXX, it will be listed for 3 years. I called and asked the company to remove the hard inquiry and I was disconnected. I called back and was put on hold for over XXXX minutes. Company that has not removed the hard inquiry is SYNCB/AMAZON XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX I had applied for an XXXX credit card on XX/XX/21. Not only was I rejected from getting " guaranteed approval, '' but it is still fraudulently on my credit report. I have been able to get XXXX other credit cards since and my credit is in XXXX standing at XXXX and XXXX from the XXXX reports via 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 explanation
Consumer complaint received 2020-05-01
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 2020-07-20
Company: TekCollect Inc.
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:
On XX/XX/XXXX I noticed a collection had been reported on my credit report. 

The debt was reported by Tek Collect , Inc. on behalf of XXXX XXXX XXXX. 

I had one visit with XXXX XXXX in XXXX after which I heard and read reviews that they had a reputation for doing unnecessary XXXX  work, fraudulent insurance billing, etc. 

I moved to a different XXXX, though I settled my bill for my consultation and XXXX. They complied with transferring the XXXX and analysis to my new XXXX. I have emails showing all of these communications. 

Since XX/XX/XXXX, I have not received any communications, bills, phone calls, mail, or contact otherwise from either XXXX XXXX or any collections agencies. The first time I knew of this collection was from my credit report, which is a violation of my rights to understand what the bill is for, verify its accuracy and or dispute the collection. 

I called XXXX XXXX to try and resolve this but the company no longer exists. Tek Collect seems to only offer a sales website so the phone numbers look like they are for companies seeking collection services. 

I disputed the collection with XXXX  - they removed it from my report. However, XXXX  will not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold from XXXX  XXXX XXXX to Carrington Mortgage LLC. It has been a nightmare since then. They apparently applied our first payment to the wrong account because they state we have been behind from day 1. We never had any problems with XXXX. We signed up for autodebit on the XXXX and XXXX of each month. They would debit our account prior to those dates which meant prior to payday! Most people are paid on the first and fifteenth! Most recently, I lost a job which is our secondary income due to COVID. I work in XXXX  which all closed due to COVID. Carrington offered a Forebearance plan for 90 days which I applied for and they approved. Upon completion of the 90 days I was to be notified how to resume payments. My choice was to do a repayment plan which was one of the options they offered. I called countless times and they were to send me paperwork for a repayment plan. OR they wanted all 90 days payment upfront to bring the account to date. I seriously doubt anyone who's job was affected by COVID can come up with 90 days worth of Mortgage payments. I for certain can not. Now we have received foreclosure notice. What kind of company sends a foreclosure notice when someone is making the effort to establish a repayment plan?? I have read reviews on this company and they are doing the same thing to literally thousands of homeowners. Someone needs to stop them. We are in a pandemic. What kind of company threatens foreclosure during this time? Also, I have made two payments which they accepted in XXXX since the forbearance ended so that shows good intention on my part. Please advise. This company needs to be dealt with for how they treat homeowners. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Opened a fraudulent account under my name went to collection and I proved them it was not mine. 
They were willing to delete it and they did 6 months later a credit dent collector ( XXXX XXXX XXXX ) is trying to collect something that was previously deleted and settled because it was no mine

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX  # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX  has been deleted on my acct and has not been removed on the XXXX and transunion acct.

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 2020-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Respectfully, the purpose of this complaint is to have CFPB investigate XXXX XXXX XXXX-based Select Portfolio Servicing online mortage payment system should it be revealed that other consumers within XXXX, or nationwide were similary negatively impacted. In XXXX our family was unable to fully benefit from our CARES Act Economic Impact Payment that was directly deposited into our banking account. SPS 's online payment system automatically defaulted and deducted {$2300.00} from our account, while I was attempting a prinicipal and interest only payment of {$960.00}. This is the second time that SPS 's online system defaulted on a payment beyond my intended payment. The online payment system double charged us for two mortage payments totalling {$2600.00} on XX/XX/2019 as well. Please refer to documentation attached in Step # 3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Earlier this year, I purchased the following vehicle from XXXX XXXX XXXX in XXXX, Pennsylvania : XXXX XXXX XXXX I was financed through TD Auto Finance ( Account # XXXX ) which included the extended warranty fee. 

I traded this particular car at the end of XX/XX/2023. I canceled the extended warranty and the warranty company sent the check to TD Auto, which resulted in an overpayment. 

I contacted TD Auto Finance several times and requested that they refund my money. I have been given several dates that the check was supposed to be released and I still haven't received my money. 

I am seeking my refund in the amount of {$2500.00} ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
I did not consent or authorized nor thing I gain anything from these accounts. These accounts are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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:
Equifax reported a XXXX XXXX account, XXXX account and a XXXX XXXX account ( sold to XXXX XXXX XXXX ). Equifax did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ). They also shared or sold my personal information to XXXXXXXX XXXX XXXX without my written consent, which under the CFPB is identity theft and a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a request for Late fee removal. I received Shellpoint Inquiry response On XX/XX/XXXX. I responded to the Shellpoint that I wanted data entries checked for XX/XX/XXXX and XX/XX/XXXX I assume the data entry dates were incorrectly input. I believe thats were the error occurred. There are no data inputs for XX/XX/XXXX or XX/XX/XXXX. 

In mid XXXX we received another letter stating her loan was delinquent. I called the XXXX number on the letter. I spoke to XXXX. I did not get his last name. But at the end of our 1 hour + call I asked him his name because of how awesome he was to take the time and really look at the data entries from years in the past. Again XXXX was his name.He told me he could see a request in the system to review the data entries. So my above request to have data checked in XXXX and XXXX that is where XXXX started to see huge errors on the loanhist.rpt. XXXX told me he could see where someone it appeared to try to correct the errors. He could see farther back on the account than the report I had. XXXX said the loan amount changed by XXXX $ in 1 day. he went back as far as XXXX. He said there were more errors but that I needed to wait to get the results of the open request he saw. I never got results from that request. We received another packet warning of foreclosure. 

I think at a minimum the late fees should be removed. I cant see the data all the way back but maybe she is owed money that was lost in the huge data mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted XXXX XXXX several times about this item. It was included in my Bankruptcy and should not be showing up on my credit bureau. Attached you will find my Bankruptcy paperwork.

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