BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX is reporting a balance for my XXXX XXXX that I should not owe. I paid this off a year ago and it is still reporting as a collection with a balance. I need this removed as it is paid off and it is affecting 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 2023-07-05
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 submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the 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 non-monetary relief
Consumer complaint received 2020-07-16
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company claims to have paid {$400.00} for my homeowner 's insurance from my escrow account on XX/XX/2020. My insurance company claims they did not receive it. In trying to get the situation resolved, the mortgage company just sent another {$400.00} from my escrow on XX/XX/2020. They did nothing about the original check, and I never authorized them to correct the problem by just taking an additional payment from my escrow account. As a matter of fact, on one of my calls I specifically told them not to do that, for fear of not getting the money back. Now I am out an additional {$400.00}, no one knows what happened to the original check, and my escrow account is short. The mortgage company refuses to cancel the original check because it is a bulk check, but my insurance company has no record of the check with the dollar amount specified or check number as ever having been received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.

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 2018-12-12
Company: Experian Information Solutions Inc.
State: NC
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:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.

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 2020-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
XXXX XXXX is an account holder of many services from USAA, but she has recently passed away. However XXXX has passed away as of XX/XX/XXXX. There are 2 insurances withdrawn from XXXX, there is an outstanding debt on a credit card, there is also a " subscribers '' account. I go on to her online portal and attempt to work with someone regarding her situation and they are not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-12-19
Company: LoanCare, LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare has used my escrow account and depleted it and is trying to charge me additional money to reimburse the escrow account. It is the first year of owning my home and they have not even paid ANY taxes our the escrow so it is not possible to have an increase. Also my house insurance rate went DOWN, so again there is no possible way this should have been increased. I have called on multiple occasions to ask for an escrow review and they have not responded or fixed this. They need to do a review of my escrow account and the illegal charges they have charged me. I need to reimbursed for the additional fees they added to my escrow account. They are trying to ILLEGALLY increase my mortgage payments by {$82.00}.

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 explanation
Consumer complaint received 2019-10-23
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried to utilize their debt assistance program and they refuse to acknowledge nor contact me back when they claim they will help me during a financial hardship. This has led me to multiple attempts to reach them and find out the status of my hardship approval, with no ability to receive an answer. This has caused me to become delinquent on my credit reports and account and I am unable to now fix the issue and clear what they did wrong. This could have been avoided if they had allowed me the ability to utilize their hardship program or even if they advised I was denied- yet they would not respond at ALL ; even 3 months later ( which I am now 4-5 months delinquent and I dont have the ability to pay them as they demand ). 
I am seeing this as a repeated issue that is being reported to the proper financial authorities but I have yet to see a response or resolution. 

Please help me with NFCU and their false advertising of their hardship programs and financial assistance! They have ruined my credit now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
An exorbitant late fee was assessed on my Victoria Secret newly opened credit card. They claim that the payment was received late when it was mailed well in advance. They refuse to take the charge off the account because I want to close the account. I told them they will need to both take the charge off and close the account. I believe what they are doing is offering a discount at point of purchase and then earning it back by charging a late fee on the account on the first payment. 

They claim that they are the same as other Comenity Bank credit cards. Other store credit cards with Comenity make the bill easy to pay electronically and put the account number on the bill. The account number is missing from the Victoria Secret bill and they charge a late charge of {$30.00} that appears to be non negotiable. I have not even received my credit card yet! Customer service also has a tendency to put the customer on hold and then hang up on the customer. It all appears to be a bit shady. I want to report it because I seriously think they are bordering on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a checking account with Huntington Bank ( " Huntington 5 Checking '' ) on XX/XX/2019. At the time they were running a promotion in which new customers would receive a {$200.00} sign-up bonus for making cumulative deposits of {$1000.00} within 60 days of opening. 

I read the terms of service carefully, and saw that residents of my state ( Wisconsin ) were eligible for the bonus. Unbeknownst to me, Huntington was in the process of exiting the Wisconsin market, and indeed my local Huntington branch was taken over by another bank. I called Huntington Bank 's main customer service line on XX/XX/2019 ( XXXX Central, call length 7m 16s ) to confirm that I would still be eligible for the bonus. At this time, " Wisconsin '' had been removed from the website as an eligible state, but the customer service representative assured me that because it was listed when I applied, I am eligible for the bonus. 

When my bonus did not post as expected, I reached out to Huntington Bank and had several e-mails and calls exchanged with XXXX XXXX ( XXXX ). She submitted a claim on my behalf for the bonus, which was ultimately denied because I live in Wisconsin ( I received this information on XX/XX/2019 via e-mail, and we spoke via phone ). 

I feel that Huntington bank lied to me in two ways : 1 ) Wisconsin was listed as an eligible state for the bonus when I applied for my checking account, and 2 ) When following up on XXXX, I was assured that my account was still eligible for the bonus. 

XXXX informed me that she would submit a ticket to make sure the customer service representative did not continue to give out false information, but that my bonus claim would still be denied even though I was lied to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: WAKEFIELD & ASSOCIATES, 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: Account information incorrect

Complaint:
I have disputed two items showing as collections needing immediate attention eight times. I have my bank statement proving I paid the collection in full and the dispute has been denied all eight times. Ive never once been able to provide the proof I have. I was advised to pay off the account in order to raise my credit enough to get approved to buy my house. They sent a letter stating the account was resolved and that is how I was able to purchase my home in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I wrote to Capital One, requesting closure of my 360 account, which I no longer use. I received no response, and my account remained open. So I sent Capital One an electronic message through its online messaging function. Still no reply, and my account remained open. So I faxed Capital One at the customer service fax number displayed on its website : XXXX. 

My account remains open against my wishes and specific instructions. This appears an attempt to continue counting me as a banking customer and extracting fees against my wishes. I anticipate getting hit with account maintenance fees for lack of maintaining a minimum balance or direct deposit. Contacting the CFPB and law enforcement is my last resort to get Capital One 's attention on my requested account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a " Care Credit '' account with Synchrony Bank. In XX/XX/XXXX, Synchrony Bank converted the account to " Paperless Billing. '' Unlike all other financial institutions, apparently Synchrony Bank allows access to only twelve months of statements, rather than five to seven years of statements. 

On XX/XX/2019, I contacted Synchrony via " chat '' and spoke to a representative " XXXX '' who assured me that my back statements would be furnished within 24-48 hours. These statement were not, in fact, available until nine days later, on XX/XX/2019. 

It is my opinion that Synchrony Bank unfairly pushes " paperless billing '' and does not act in a responsible manner to be able to generate back statements in a timely manner in instances of loss of these " paperless statements '' that they general instead.

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 2023-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete the following items that are harming my credit : 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 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 2020-07-23
Company: Experian Information Solutions Inc.
State: MD
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2019-10-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My complaint is regarding the handling of my loans for the Public Service Loan Forgiveness ( PSLF ) program through FedLoan. Since my loans were transferred to them over a year and a half ago, I was told that I would be receiving information regarding a count of how many previous payments made through my old servicer ( XXXX ) would qualify for forgiveness. I have yet to hear from them regarding this count and have reached out to them on 4 separate occasions requesting an update. I have even reached out to their ombudsman group to follow up and have yet to hear anything. They have filed and completed my paperwork for IBR several times, especially when my income changes ( which increases my payment amount - and this is always done on time and quickly ). I'm not sure why it should take over a year and a half for them to give me an update regarding which of my previous payments count. This is halting my financial planning and affecting my daily budgeting. I have qualified my employment from the start of these payments ( dating back to 2012 ) but thus far, only have seen a count for 8 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance.

In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my 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