BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX is being reported to my consumer report which is violation of the fair credit reporting act. Transunion violated my right to privacy pursuant to15 USC 1681 section 602. Transunion also violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written consent/instructions. Transunion also violated the XXXX XXXX XXXX XXXX, pursuant to SEC. 501. of 15 USC 6801, Transunion should make it an obligation to respect the privacy of the consumer and confidentiality of my non public information. 

They have not provided me any documentation proof my direct written consent.

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 2017-08-28
Company: Finance of America Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX we made an offer on a short sale in XXXX, FL. OnXX/XX/XXXX I contacted XXXX/Finance of America concerning mortgage. Throughout the months ofXX/XX/XXXX, XXXX andXX/XX/XXXX we provided requested documentation to lender, some multiple times. Lender received notification short sale was most likely a go and wanted to close on XX/XX/XXXX. Loan Processor, agreed to the closing date. On XX/XX/XXXX we received notification the short sale had been approved. We submitted termite inspection, home and flood insurance proof ( an estimate of this cost was submitted in mid-XX/XX/XXXX ), soon after we had final approval of the short sale and was aware of the closing date.XX/XX/XXXX came and went with no closing, we finally closed onXX/XX/XXXXand assessed a late fee of {$2200.00}. We did open a credit account at XXXX 's for {$2000.00} for purchase of a washer and dryer onXX/XX/XXXX. 
I am attaching correspondence we have had with Finance of America and emails between the closing agent and Finance of America

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One Bank- In earlyXX/XX/XXXX I wanted to pay balance on my card as I do every month. I called the bank but was put on hold for 2 hours. I also emailed the bank. But received no reply. Concerned that if the card was lost or stolen I would not be able to notify Capital One I decided to close the account. 
After several days of calling I finally reached a live person & closed the account. 
OnXX/XX/XXXX I sent a check for the balance. On XX/XX/XXXX I received a statement for the balance plus interest. I called my bank & was told the check had not cleared. 
I called Capital one & ask to be connected to Fraud Division. The 1st person I spoke to disconnected me. I called back twice & was put on indefinite hold. 

I believe Capital One is holding my check in order to keep the account open & collect additional interest payments. 
I am a Senior Citizen with health issues. Capital One is causing me additional stress which is affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2017-03-21
Company: SB Holdings, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I make online payments, on time, then find  out ten to twenty  days later that the payment did n't go through. The company then charges me {$140.00} late fee for a monthly due amount {$110.00}. This has happened 3 times in 4 months. They do not send out statements and do not offer them online. I can not verify my amount owed through their records.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Regarding Equifax  Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Equifax  has on file ; and on XX/XX/2021 I sent Equifax  a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been XXXX  days and still no conclusion to their investigation. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Equifax  is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the XXXX, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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:
Recently obtained a copy of my credit report and noticed account that i did not auhtorize

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 2019-07-18
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a zero-interest loan due to the federal shutdown in XXXX of 2019. To get this loan, I had to switch my Banks, transfer all my automated withdrawals, etc. Some few kept slipping through the cracks, reopening my account and the bank charging interest on credit they forwarded to my account. This has happened every month since XXXX, and every month I have called BBVA to fix this and every month I have been assured my account is closed and nothing can reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to XXXX different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus XXXX Trans Union and XXXX or XXXX debts that they do no investigation on this is a violation of the fair credit

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For over a year, I have been filing a dispute with transunion Credit Bureau about a collection account with XXXX XXXX XXXX that they keep saying is verified but have not provided me with the proper documents I have even asked Transunion how did they verify this debt they will not respond to me I have told Transunion that the company which is XXXX XXXX XXXX will not respond to me to give me the proper documents and since the debt collector wont provide me with what I am entitled too that they should delete the collection account Transunion keep ignoring my request and allowing this unverified debt to sit on my credit

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I do not recognize the alledged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXX Account XXXX. This account was recently closed and then reopened after disputing it previously.

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 2023-01-18
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: Their investigation did not fix an error on your report

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}

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 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX   has removed 22 accounts, but Transunion states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2018-02-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, my wife and I were involved in a car accident. Due to injuries we both suffered my wifes doctor did not allow her to return when her long term XXXX ran out, she lost her employment. She did however find a job in XX/XX/XXXX. Due to the initial job loss we fell behind on payments and applied for a loan modification. We were approved for the loan modification on or around XX/XX/XXXX my wife had significant XXXX XXXX and was unable to drive the 30 minutes to work, we tried XXXX XXXX, XXXX XXXX and XXXX XXXX. 
Nothing worked to help her with the pain and the doctor recommended XXXX XXXX in XX/XX/XXXX so again, she lost her employment as a result of injuries from the car accident. She was working through a temporary agency so they would not hold her job for her. In XX/XX/XXXX, I was told I had an XXXX in my XXXX due to my XXXX XXXX XXXX in the car accident, pieces of my partial XXXX XXXX broke off. In order to save my leg I had to have my XXXX XXXX, I was on XXXX XXXX for six weeks and then a total XXXX XXXX was done on XX/XX/XXXX. I work construction so I can not return to work for 3-4 months after my final XXXX. All in all I will be off from XX/XX/XXXX- MXX/XX/XXXX. As the primary income earner this is a hardship for my family. I have tried working with my lender and they said they have no programs that can help me since I have had a loan modification. XXXX XXXX said I will be eligible in two years. Meanwhile, we get hundreds of calls a week from Wells Fargo they send us letters saying they would like to sit down in person and go over the option but when I asked for someone to come here they said they dont actually do that. I should be eligible for some type of hardship since due to no fault of our own neither my wife or myself are able to work. Also when Wells Fargo did the loan modification they only lowered the payment by {$100.00} or so, this really wasnt enough to compensate for losing {$70000.00} In income. I feel it is unfair to charge someone such a high mortgage payment when they come to you for help. They are also making us pay mortgage insurance which is {$200.00} a month and out loan is paid down enough where that should no longer be an issue. They have delivered foreclosure payments to our child when he answered the door and have made me want to change my phone number because they call from early in the morning until XXXX XXXX XXXX at night. Its hard enough to lose your job due to injury but to wake up every morning to collection calls is horrible- they dont even stop calling us on the weekends.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2023 a letter was mailed to correct the addresses on my report. There are addresses on there that are not associated with me ever. A second letter was mailed on XX/XX/2023 and I have yet to receive a response nor have I noticed a change.

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 2018-11-26
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2018 I discovered that two Bankruptcies were reinserted into my credit file. Equifax is required by law to notify me within ( 5 ) days of Re-Inserting a previously deleted item. I did NOT receive any such notifications. Please delete this item that was originally removed XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Penn Credit Corporation
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
same call every day from penn credit corp -- XXXX never did business with this company even call on a sunday

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: WA
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question.. XXXX XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) 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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, my name is XXXX XXXX XXXX , and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: WA
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : XXXX XXXX XXXX  ) XXXX, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation