BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX, XXXX CARD, XXXX XXXX, 11 XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX AUTO FIN, XXXX XXXX XXXX, XXXX XXXX XXXX, CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2020-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Early XX/XX/2020, I received notification from Bank of American of an extension in payments due to the COVID crisis. I applied and was approved ; at the begining of XX/XX/2020, XX/XX/2020, I received email notification that the extension ended and payment was due. When I logged into my account, the amount due was the total of ammount of the payments due during the granted extension plus the month of XX/XX/2020. The amount of each payment due is {$390.00} per month. On XX/XX/2020 the total amount due was {$1500.00}. Due financial constraints during COVID, I was unable to make this full payment. I was able to pay down this amount slowly, however the account remained in default. This was then posted to all credit agencies on XX/XX/2020 and XX/XX/2020. The account is now to-date and in postivie standing. I talked to Bank of America today and they were unable ot assist with the credit posting and I was referred.

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 2018-07-11
Company: CAC Financial Corp
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX  onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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: Problem with personal statement of dispute

Complaint:
THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON 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 2020-08-19
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: Problem with personal statement of dispute

Complaint:
THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've filed many dispute compliants with Transunion for an old XXXX bill. The account was closed XX/XX/2010 and the collection company keeps it reaccuring on my credit report. Because the bill is so old XXXX could not issue me proof but did give me the account information. I asked them could they give me a letter and they said there system can not generate that either. The amount owed reported on my credit report is also incorrect, {$1300.00}. I've filed several disputes to Transunion and they said they investigated, but I don't think they have. They state the information is correct but it is not. This collection agency renews this account every year with Transunion as an active account. Thanks for any help you may be able to provide in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Company violated the fair debt collections practices act by implying that the debt had been sent to an attorney. After notifying them if the violation they removed the comment from my file where they stated it has been sent to an attorney, verifying guilt. Item should be removed. 

They are trying to collect more than the debt amount listed by the original creditor, not because of fees or interest, they just have the wrong amount listed. This violates the fcra. The item should be removed. 

They sent me an unsigned blank binder as verification of the debt. They are verifying the debt with a blank document. This is fraud. The item should be removed. 

I never opened this account, this item is the result of identity theft. As proven by the unsigned blank binder that they are using in an attempt to fraudulently verify the debt. The item must be 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 non-monetary relief
Consumer complaint received 2020-02-03
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company Ditech financial recently went bankrupt and sold my mortgage to a new company but for some reason the new company is saying that I was missing payments for like 6 months I have never missed a payment except for XX/XX/2019 when ditech lied to me and offered a forbearance and then later change there story but I made up that payment in XX/XX/2019 I please help don't want to lose my house or do a loss of mitigation.I contacted the pay station where I pay my bill electronically and they sent me a receipt of some of the payments I made the rest are made by money order I don't need a Loss of mitigation and I'm terrified my house will be forclosed on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: FL
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:
The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer report immediately.

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 2020-08-20
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to Shellpoint Mortgage. This transfer took place at approximately XX/XX/XXXX. My payment was made to XXXX XXXX  on XX/XX/XXXX. XXXX applied the escrow portion to my escrow account. They then transferred the XXXX XXXX XXXX  to Shell Point. I have provided multiple bank statements and previous mortgage statements showing this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
To whom it may concern : On XX/XX/2020, I completely paid off Bank of America credit card account through an online payment, called in confirmed with agent of bank of america that entire balance was paid off. Bank of America then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by Bank of America, I called and verified online that the entire bill was paid, Bank of America closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as bank of america confirmed account was paid. 

Sincerely, 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 monetary relief
Consumer complaint received 2021-06-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted XXXX  numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.

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 2020-02-03
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date 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 2020-02-03
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a notice of rejection from XXXX XXXX on XXXX/XXXX/2020. I submitted for a freeze online and for my free consumer report that very same day. No luck or response, so I submitted again on XX/XX//2020. I also tried calling on XX/XX//2020 and they said they would contact me back in one business day. It is now XXXX/2020 and still no response or letter about my credit score or credit freeze. Please get them to freeze my credit score and send me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Experian Information Solutions 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:
I ask you for help with the agency Experian, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to Experian with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.

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 2019-09-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019 I made a purchase for {$100.00} at a Macys store. I rarely use this account and with some unfortunate life events I forgot I had made this purchase. I never received a bill via email or in the mail. In XX/XX/2019 my Mother received a letter her address stating that I now owed {$250.00} to Macys. She stated to me that this arrived and that nothing had ever came to her house for me prior. I have not lived at that address in approx 5-6 years. I immediately called the Macys credit card to find out what was going on and they advised me that I made the purchase of {$100.00} and that the {$150.00} was for late fees. They asked me what my address was and I they had the incorrect address on file which they updated that day. Also, I paid the {$100.00} balance that I owed that day. They advised me to send in a letter disputing the fees and to correct my credit report back XXXX reflecting that it was not past due. I did all of this and within a week they denied the dispute saying there was never returned mail. Howeve3r, mail can not be returned if it is never received. Also, for the months of XXXX a phone call to me stating that the bill was past due was also never even made to me. 

I have already paid the {$100.00}, I am asking Macys to simply restore my credit back to reflecting a positive paying history since XXXX & to waive the $ XXXX in late fees. They refuse to help me at all. They have also closed my 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 2021-06-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted XXXX  numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.

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 2020-08-14
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:
My credit score dropped 6 points with one hard inquiry from XXXX XXXX on XX/XX/2020, yet over the course of 3 years, when my balances have decreased, been paid off, or were less than 30 percent, my credit increased by a maximum of 4 pts. And when my balances increased or I received an inquiry, my credit score was deduced by a maximum of 6 points. In addition, my debt to income ratio is phenomenal. Again, there is a direct correlation of the lack of proper credit score tabulation in relation to my ethnicity as an XXXX. And I am noticing a clear line of discrimination as it relates to my credit. No matter how hard I work or maintain or earn credit or pay things off, my credit stays in predominantly stagnated state of 680 range, which is a discriminatory practice on the part of TransUnion and its affiliates.

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 2019-01-13
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, EXPERIAN AND XXXX  HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.

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 2020-08-19
Company: FREEDOM FINANCIAL NETWORK
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
UDAAP Violation : I told them when originally signing up that I needed a loan that I could pay every other week automatically. They said that they can do that, per my loan officer. After I got approved, it was found out that I could NOT. I contacted them again saying I no longer wanted the loan and that they deceived me ( all of this MUST be on their recorded lines ). They had a manager call me and tell me " Oh, well, you can still make those bi-weekly payments, but you have to wait for the statement to arrive in your email '' [ FYI-never received ] " ... and then once that shows up, you have to contact us to make two payments every month. '' Not only was I misled into thinking I could pay it every other week, I have to call them just to make my payments. Additionally, I found out it costs money to pay them directly. This is a complete scam. Fast forward a couple years, they put the debt into " Write Off as P & L '' status, which I understand ruined my credit. Couple months later, they are putting it into collections. Now, I have VERY aggressive people asking me if I can pay them {$570.00} minimum or I will have to go through bankruptcy. This is XXXX XXXX in MN. Debt Collection Company. This whole thing is backwards. I know this is a Deceptive practice and I did pay this for about a year, but they also wrote it off on my credit report as P & L -- now they are collecting. The company did not help me. I need help and the collection agency just wants to berate me for money in a demeaning way. It is dehumanizing and unethical, not to mention the whole thing was caused by one man who told me I could pay bi-weekly and then the company made it nearly impossible for me to do so! What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In reference to loan XXXX, Ally Bank erroneously reported that my son XXXX XXXX and I have made late payments resulting in the lowering of our credit scores by 100 points. XXXX is the primary owner of the XXXX XXXX XXXX covered by the loan and I am the cosigner. 


In XX/XX/XXXX, while making our regular payment the Ally Bank website stated that " Ally Bank offered a 3 month extension for those effects by the pandemic. '' My son was laid off due to the Covid, so we filled out the online form on the Ally website in good faith. Around XXXX we started receiving late notices and we attempted to contact customer service, thinking this was some type of mistake. After at least 10-12 hours on the phone we were unable to receive help. I also have requested to speak with a supervisor numerous times and have reported the issue on Allys twitter site, but still have received no help. I received a case number XXXX and have satisfied the terms of the agreement. We have appealed this to a supervisor ( XXXX ) but he was little to no help. 


We never had any late on any payments to Ally bank during the entire term of the loan, nor have we been late on any other loans. We request that you notify any and all credit reporting bureaus regarding Ally Banks mistake. 
Sincerely, XXXX XXXX and 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