BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX  All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the 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 2018-02-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My husband deposited his payroll check, in the amount of {$1400.00}, on Friday, XX/XX//18, after hours at the ATM of our bank, Citibank. He then received a receipt with an error message that said, there was a technical issue and the check can't be deposited or returned. There was also a customer service number on the receipt. We called on XX/XX/18 and they were less than helpful. They filled out a request for investigation but said it would be up to 10 days before we received our money back. I understand their policy but what I don't understand is why the customer has to have their funds tied up and be put in an uncomfortable position while the bank figures out its ' technical issues. I now have bills that are late and can't even put gas in the car to get to work. Their customer service department even told me that we shouldn't deposit checks after hours because " you never know with technology ''. I banked with XXXX for many years and never had this issue. I'm truly floored and extremely frustrated.

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 2018-03-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Dated XX/XX/XXXX/ received XX/XX/XXXX, I got letter after waiting months calling ocwen about modification letter state you approved for assistance if you complete the 3 trail paymentXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX/ I began calling asking about modification claim it was getting process ask speak to the modification department say they didn't have one, can I speak to XXXX department I was told had write XX/XX/XXXX new pack I call ocwen right away that I disagree with decision and this is not modification what is this the woman XXXX say it's modification it go in to XXXX I said what I be all most XXXX old 'she continue talk I said my loan is not correct- XXXX I owe on my home {$140.00} and some more principal ocwen claim XXXX claim I owe $ XXXX.So I  Began writing letter have not got no respond from ocwen or XXXX department /ocwen, XXXX have falsified document and claim my husband XXXX XXXX agreed underlying his loan claiming he agreed XXXX call it pass through, Ocwen they both have falsified legal document on XXXX XXXX XX/XX/XXXX claim he came in to agreement for loan to security amend and supplements 1 the mortgage note/ ocwen record another mortgage note illegal did it in XXXX XXXX TX Clerk office

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 2019-04-05
Company: CCS Financial Services, 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:
I have 3 accounts that only show as medical NA and have the amount needed to pay if I owe it, I contact XXXX and they told me that they did not have enough information to dispute the transaction. they advised I needed to go to every facility where I have received medical treatment in the past and see if the amounts they had were the correct amount to get the original lender. I went and none of the amount submitted are the ones thath are needed here. I contacted XXXX again and they are not assisting me. I also have a dispute for progressive they indicate thath I owe an amount for a car thath I did not have. I told them I could submit a bill of sale indicating the car had been sold and they said that is not going to help. I also called and told them that I had sold the vehicle to cancel the policy and they never did.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, Transunion verified an account on my consumer credit profile as accurate ( attachment # 1 ). However, the credit reporting agency failed to conduct and complete and thorough investigation and is currently reporting incomplete and inaccurate information on this account. This is evidence by the following : 1. In their investigation results, they list the court as CALIFORNIA FED COURT -XXXX  ( attachment # 1 ).  There is no such court. Additionally, the Legal name of the court must be fully disclosed ; not abbreviated. 
2. Transunion currently reports the court for the same account as " U.S.  Bankruptcy Court '' through XXXX  ( see attachment # 2 ). How can Transunion report two different courts for the same account? 
3. Also indicated in Transunion 's investigation results is a XX/XX/XXXX " Date Updated '' entry ( attachment # 1 ). If this account was verified as accurate in XX/XX/XXXX, the Date Update section should reflect this and have been noted as XX/XX/XXXX. Furthermore, this indicates Transunion never verified this account as alleged. 
4. Transunion 's results of the investigation note " Individual Debt '' in the Responsibility section ( attachment # 1 ). The responsibility for a discharged bankruptcy is {$0.00} ; period. On XXXX  's platform, Transunion does not have ANY value in the " Liability '' section, indicating to lenders am still liable for some or all debts discharged in the petition ( attachment # 2 ). 

Transunion failed to conduct a complete and thorough investigation and is currently reporting inaccurate information to my consumer profile. The FCRA requires credit reporting agencies to report accurate, complete and verifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: PR
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:
On XX/XX/XXXX I sent a certificate letter to Experian regarding the dispute results XXXX.In that results Experian indicate that the US Bankruptcy XXXX and XXXX listed on my credit reports belong to me because they obtained the information through a third party vendor XXXX. In my certified letter sent ( XXXX ) I provided to Experian two letters sent by XXXX indicating that even XXXX and XXXX were removed from my XXXX report since XXXX. Despite those letters they do not want to eliminate those accounts from my credit report attached letter from XXXX XXXX part of a previous complain opened # 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 2019-04-05
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. I didn't receive proper notification in the mail before this reported on my credit.

2. This false debt has been sold to 3 or 4 other debt collectors, none of them could validate the debt, so they sold it to someone else.

3. When this reported on my credit, I disputed it and requested verification. The company " verified '' the information to the credit bureaus, but their validation to me lacked the proper information to prove this is a legitimate debt, owed by me.

4. The name on the paperwork does NOT match my name or any name I've ever used in the past. It says, " XXXX XXXX '' - My name is XXXX XXXX, not XXXX. 

5. This company is using fraudulent methods to verify the debt, to report this on consumer credit reports and to keep it on the reports.

6. This company sent me a blank sheet of paper as a validation in the past, they did not meet the 30 day requirement to validate the debt, then a few days later, they sent me paperwork with someone else 's name on it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Unfortunately, none of the boxes on the previous page matched my particular situation. Here it is : In XXXX of XXXX I bought my first home. I did my due diligence during the home purchase and hired all of the required " professionals '' throughout the process including an inspector, appraiser, and title company. I also looked up the home on the county tax assessor website to ensure that the local government had the home listed in its current state. Nonetheless, shortly after purchasing the home I received a violation from the city stating that my house was in violation as there was an " illegal unit. '' Now the city is telling me that a large portion of my home was built without permits and is therefore illegal. Furthermore, that I must bring it up to code or tear it down which would turn my 5 bedroom 2 bath home into a 2/1 and would financially ruin me. 

I have been working to resolve this situation but simply can not afford to do so. What 's more, I find it difficult to comprehend how a consumer like myself can be legally responsible despite having gone through all of the appropriate steps in the home buying process including going through an FHA approved lender and utilizing an FHA approved appraiser. 

I am a public school teacher and this situation has the potential to financially devastate me due to no fault of my own as a consumer. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX XXXX XXXX made the first inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX/XXXX XXXX on XX/XX/XXXX, and I have no recollection of doing any business with XXXX/XXXX XXXX   XXXX/XXXX  made the third inquiry in question on XX/XX/XXXX, and XX/XX/XXXX, and I have no recollection of doing any business with 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 2019-09-18
Company: Experian Information Solutions Inc.
State: MA
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 keep disputing this inquiry from XXXX/XXXX XXXX XXXX XXXX XXXX that has an inquiry date of XX/XX/2018. They claim that the inquiry belongs to me and they are completely wrong, I contacted the original creditor and they provided me with a few pictures, and the pictures show that the social security number on the original creditors system isnt my social security number. Please Experian, take a look at these pictures and see that my social security number doesnt match the social security number thats on their system. Please delete the inquiry.

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 2018-12-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am on XXXX  XXXX i have been working with companies received XXXX and XXXX  XXXX suspension in XX/XX/2016 and was told all taken care of my loan discharged I havent heard from no one Receiving letters from XXXX XXXX now Navient Post Claims Assistant I am on XXXX due to stress why isnt this havent been take care of I have been on top of everything Im currently working with Student Advocates submitted all my paperwork and another total temporary discharge form. 

Now after interests loan is XXXX im sitting on debt on XXXX income for 10 years now My number is XXXX. XXXX XXXX XXXX. XXXX XXXX  Maiden Name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CNG FINANCIAL CORPORATION
State: CA
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:
My file was stolen and someone had made an unauthorized hard inquiries. 
I would like to file a dispute and remove an unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've been a customer with US Bank for many years. One day ( XX/XX/2012 ) as I was walking in to make a deposit, a banker approached me and told me I should have a credit card as well, and she thought I would be eligible since I was a home owner. 

Long story short, I walked out with a credit card and a {$5000.00} limit. I used the card for a year or so, and decided I didn't want it anymore. When I called to pay off the card and have the account close ( I didn't want a credit card in the first place ), I was given the run around. 

I called around to whichever numbers I was given and paid my account in full. Looking at my credit history, there is an account that says " In-Collections/ChargeOff ''. This is incorrect information. The account was paid in full.

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 2018-04-03
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:
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 )  XXXX XXXX Finance Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} XXXX Remove Account ) 15 ) XXXX XXXX   XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this 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 2018-07-06
Company: Avid Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I WAS IN THE HOSPITAL AND OUT OF WORK FOR 3 MONTHS. I REACH OUT TO XXXX XXXX  FOR ASSISTANCE. THEY ONLY DEFERRED 1 MONTH. I HAVE NEVER BEEN LATE FOR 31 MONTHS. I HAVE BEEN PAYING ON A 18+PERCENT LOAN RATE. THIS CAR HAS BEEN PAID FOR. I'M SEEKING RELIEF FROM MY HARDSHIP AND LIKE AN OPPORTUNITY TO BRING THE LOAN.

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 2019-04-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX and XX/XX/XXXX payments for {$420.00} each cleared my bank account but never posted to my loan. I contacted Santander several times to assist me with this issue. I submitted copies of my bank statement at least 3 times but was told due to me blacking out other transactions that had nothing to do with this loan they were unable to use that document. I submitted once again an untouched statement for proof of payment. They state that they ran a search and they are unable to locate the payments referenced and there is nothing they can do. My credit report is hindered by this account and i am needing this to be updated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2018-04-03
Company: First Data Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from a collection agency ( not sure what the name was since it was early in the morning ) saying I had written a check for {$1500.00} to XXXX XXXX XXXX in XXXX and it bounced and they were attempting to collect the {$1500.00} that bounced. I never gamble, I never go to the Casino, and since this is XX/XX/XXXX, I never write checks. I asked for evidence and hung up the phone. 

I get a letter in the mail from XXXX XXXX XXXX  XXXX XXXX saying I wrote the check XX/XX/XXXX (  I was at work that day ), check XXXX ( my checks don't even have that number sequence on them ). The letter has 3 different addresses on them, a Corporate Office in XXXX XXXX   with a zip code of XXXX, a processing center in the same city but zip code XXXX, and an address in XXXX ( XXXXXXXX XXXX XXXX, XXXX ). When I look at their website ( XXXX ), it's asking for my bank account information, social security number, address, phone number, etc. 

I look up this company on XXXX and everyone is reporting this company who tries to collect on bogus debts is a scam.

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 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 am a member of XXXX XXXX and I just tried to link my accounts. When I went to add my credit card account It said I was blocked from getting access to my personal banking records. Which of course is my right to have that information after asked for it. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation