BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Transunion, and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED LA XXXX Docket # XXXX. I was than told that was not acceptable.

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 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing on behalf of a claim I have tried to submit through bank of america fraud beginning on XX/XX/2021. Attached is the letter I most recently sent on behalf of my claim and was denied. 

A company or person purchased products throughout XXXX XXXX XXXX and my bank account in total of {$1600.00}, several purchases were sent to my house as a decoy to the total spent. I DID NOT PURCHASE THESE AND NEVER AUTHORIZED THEM. There were 6 purchases in a row that were not flagged by bank of america. I have tried to submit this claim 3 times and get NO WHERE. Please see the attatched letter for all 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 monetary relief
Consumer complaint received 2022-10-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage Payment and I plied for the Virginia Mortgage Relief. The whole process started around XXXX and both, PennyMac Financial Services and Virginia Mortgage Relief have not be able to communicate about my loan. I have suggested, for 4 months, for them to call each-other because their server communication is not working. When I call PennyMac they told that they email Virginia Mortgage Relief the B files sometimes on XXXX. When I called Virginia Mortgage Relief they said they have not received the file. But they have send several emails requesting the files, again. I called Penny Mac they said they have not received Virginia Mortgage Relief email. Every time I called they blaming each other and nobody is able to fix the problem. I have asked for a 3 ways call with both parties but PennyMac does not take third Party calls. It is clear that one of the company or both are having problems with their communication devices but nobody admitted. I am tired, I have call these companies more than 10 times. I need somebody help because they dont care what is happening with their server and the one not being help is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-12-03
Company: Santander Consumer USA 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: Information is missing that should be on the report

Complaint:
On XX/XX/2018 I contacted Santander Consumer USA. I currently have a car loan with them and I wanted to verify that the payments I have made since the origination date of the loan have been reported to the credit bureau. I was informed by a Santander employee that the company does not report to the credit bureau. I was told that I could fill out a waiver to allow Santander to begin reporting to the credit bureau. I was given 3 different time frames that it would take to e-mail the form to me. The latest date was for Monday, XX/XX/2018. I did not receive the e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Commonwealth Financial Systems, 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:
In XX/XX/XXXX ( see attached letter ), I sent Commonwealth Financial a certified, with return receipt letter requesting that they provide competent evidence to substantiate any legal obligation I had to pay them. They did not provide any validation to justify the erroneous, inaccurate, unverifiable entry they are reflecting on my credit reports. I then attempted to contact them again ( see attached letter dated XX/XX/XXXX ). I again recapitulated the letter I had previously sent them in XX/XX/XXXX. In this letter, I requested that they provide me HIPPA authorization, payment agreements, proof that they have the authority to collect this alleged debt and proof there is some contractual obligation which is binding me to the alleged debt. 

To date, they have not provided me with any information nor signed documentation, a clear accounting of the alleged charges as well as history of payments. This company is violating various statutes and laws in particular FCRA, FDCPA, FACTA, and FCBA. It is obvious and apparent to me that this information is incorrect and they do not have any evidence to substantiate their reporting. This entry must be deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is XXXX of CERTIFICATED XXXX  PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and XXXX XXXX data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its XXXX XXXX TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite XXXX character XXXX statements and all of its trailing segments, the minimal XXXX portioned identifiers all XXXX pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 2017-07-08
Company: EQUIFAX, INC.
State: AZ
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:
Tax Liens that were satisfied in a Chapter XXXX several years ago keep appearing as derogatory information on my Credit Bureau Reports. The IRS ruled that I was not responsible for tax debt incurred by my ex- wife, XXXX XXXX ( XX/XX/1970, ) and awarded me INNOCENT SPOUSE Status as a result of their investigation. Please remove these last remnants of my ex- wife 's malfeasance from my Credit Bureau reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: NY
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:
The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.

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 2017-07-07
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My son, an authorized user of my Barclaycard ( XXXX ) account, disputed two fraudulent credit card charges ( {$130.00} and {$73.00} dated XXXX XXXX at XXXX XXXX and XXXX XXXX respectfully ) in the early days of XXXX, I think it was XXXX XXXX. Although my son visited the establishment earlier in the day, he left at XXXX XXXX. Towards the end of XXXX we received two letters from Barclaycard, one requesting additional information and the other denying the dispute. Copies of the card transactions of the disputed charges show neither was signed by him.
<P/>
On XXXX XXXX we responded to the request for additional infomation with a dispute form stating that the transactions were not signed by my son or I. On XXXX XXXX, Barclaycard denied the claim again and will not reopen the case.
<P/>
On Barclaycard 's website it states : Barclaycard provides fraud protection and monitoring on all of our credit cards to ensure the security of customer information. All customers are also covered by our {$0.00} Fraud Liability Protection - which means you will never be held liable for unauthorized transactions.
<P/>
Clearly this has not been the case with our experience.

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 2020-02-19
Company: The CBE Group, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CBE Group has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. 

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, and Transunion many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.

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 2020-02-19
Company: ONEMAIN FINANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for the secured loan via website. After putting my income in the company pre approved me for a secured loan up to {$10000.00}. I then submitted my income and buyer order for the vehicle. The branch manager submitted my docs to underwriting and first contact was to ask for my last paystub of XXXX. This was not a reflection of my current income and I let them know that. I then provided them proof of my overtime allowance ( stub from XX/XX/XXXX ) and also proof of my wage increase. The next contact with XXXX the branch manager stated that they would not credit me for all my earned wages, and that they would approve me for a {$4000.00} loan based on income they calculated. I did the math and they were taking my income from the previous year, and not my current wages. From XX/XX/XXXX through XX/XX/XXXX I took home net pay of {$7000.00}, that would be a projected net income of {$84000.00} for XXXX. Instead XXXX the DM,  and XXXX used old paystubs to determine a net monthy income of {$3500.00}. They said they needed an exception to give me credit for all my earned monthly wages in XXXX. I provided all that they asked and my income is in black and white, along with updates to something I was not responsible for on my credit report. One Main chose to make thier own figure up, count retroactive pay, and not give me credit for earned wages. Furthermore they denied my application, after XXXX the branch manager told me I was approved for a lesser amount. They manipulated my income, changed terms mid deal, and provided no reason for discounting my earned income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: United Revenue Corporation
State: LA
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:
Disputed Acct # XXXX balance of {$3400.00} about a year ago and it is still in dispute status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-03-03
Company: Experian Information Solutions Inc.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-02-19
Company: ORG GC GP Buyer, LLC
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 collection letter from the XXXX   State Treasury Dept. indicating that I have a collection balance of {$3200.00}. When I contacted them they indicated that this balance had already been sent to a collection agency and was referred to contact them. I contacted the collection agency and was advised that the balance was for not filing XXXX XXXX  State Taxes. I explained that I did not live in XXXX  in XXXX, I lived in XXXX  and filed State Taxes in XXXX. I moved to XXXX   XX/XX/XXXX ; therefore, taxes were not filed with the state of XXXX  for that year. I was instructed to send proof that I had filed elsewhere. I explained that I no longer have copies of my XXXX tax returns or W2s as this was over 8 years ago. As this is not my error, I asked the Collection Agency to  research this mistake on their end, as due diligence should have been done prior to sending me to collections. I was advised they were unable to do that. I tried obtaining the requested information but there's a {$200.00} fee to pull these records and have spent countless hours on the phone trying to contact the IRS to obtain such info, which there is also a fee for. In addition, I was never notified that there was an outstanding balance until I was already sent to collections. I am requesting that this is investigated further and cleared, as no error was made on my part and I shouldn't have to send any information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
First had federal loans with Sally Mae then they were purchased by Navient. As of XX/XX/2019 they had me respond yes to postpone repayments. I have not received if they have them or a different lender. On XX/XX/XXXX was informed they were at collections and more than what I knew before. Also derogatory marks on my credit would be nice to be removed. I always am honest and take care of them on time when contacted.

Company response to consumer: Closed with explanation