BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
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:
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

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 2017-09-27
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our Client got approved a XXXX in XXXX, Lender stated they mailed the XXXX agreement letter to our clients address on XXXX, but the letter says it was mailed to our office XXXX XXXX. Our office was never contacted, we never received the letter in the mail, they refused to speak with our client, we asked if there was a deadline, they stated there wasnt and to just have the client sign and send it back, but letter states that there is a deadline. They have given us conflicting information and are now stating that the sale for XXXX will mostly not be stopped - Our client is now in receipt of the approval and will be sending the signed agreement to the lender directly and a copy to our office and we will also be sending the approval letter via fax -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
( 103 true Identity theft ) Transunion File XXXX XXXX Report XXXX XXXX Report XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) Account # : XXXX ACCOUNT XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX XXXX TransUnion BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!

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 2019-07-16
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:
There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: LTD Financial Services, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LTD Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ) keeps calling my UNLISTED home line that I 've only had since XXXX/2017 ( 12 whole days ) without leaving a voicemail in regards to what debt they think I owe. All of my accounts are current. This has happened to me before with other debt collection agencies since I became a victim of identity theft years ago. I refuse to contact them to give up even more personal information that they might use against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial has been adding unexplainable amounts to my mortgage and now that I was transferred to XXXX, they continue to send unexplainable charges and refuse to talk to me now that I was transferred to XXXX XXXX. Looking back on an activity record XXXX sent to me, in XXXX, XXXX, the balance of my mortgage was XXXX, they added XXXX taking it back up to XXXX with transaction note of " BK Cost Assess ''. I noticed this transaction as I was disputing a recent XXXX fee Ditech sent to XXXX to collect with no explanation. In addition to that, the added a {$15.00} charge claiming someone had to come and see if the property was occupied when I communicated with them often. XXXX can not explain it, Ditech will not communicate with this company or myself but yet, I am required to pay it. I have paid more than XXXX= on this XXXX home and they continue to gouge adding fees from XXXXe to Ditect, rolling over to XXXX. Young and desperate for a home, I was not keeping up with my balance until I took my finances seriously. When they send the bill, I paid, no questions putting my trust in them. Please review and assist in this matter or advise on what steps I should take to resolve this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Account information incorrect

Complaint:
I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received re investigation results of the account number XXXX back from EXPERIAN that were not in my favor. In EXPERIAN 's response to my CFPB complaint case number XXXX and XXXX. EXPERIAN stated that " XXXX XXXX XXXX BANK verified the account as reported. '' This let 's me know that EXPERIAN did not perform a proper investigation involving this matter. They received this information from a creditor and pursuant to 15 USC 1681a ( e ), factual information obtained directly from a creditor of the consumer shall not be reported on my consumer report. Since this statement let 's me know that their investigation is not valid, this information must be excluded from my consumer report. I've even provided EXPERIAN proof of my inaccurate credit report and EXPERIAN still chose to ignore this evidence. My new and updated credit report shows that XXXX has updated my payment history to " excellent '' yet EXPERIAN still have not updated this account information. It is my belief that EXPERIAN has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. EXPERIAN went over the 15 days required by congress of an re-investigation to send me proof of their investigation and I never received this proof because this was submitted on XX/XX/2022 and I never received a response until XX/XX/2022.

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 2022-04-28
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the fair credit reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: ALLY FINANCIAL 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. ALLY XXXX is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( ALLY XXXX XXXXXXXX )

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 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a secured credit card in XXXX XXXX I had to pay a security deposit of XXXX and I setup the account to have a XXXX limit before opening the account there was an option to increase the credit limit so I paid {$100.00} through my banking financial institution which now made my credit limit {$400.00}. A few days ago I closed the account because I no longer it and its only showing I had a {$300.00} security deposit. I contacted capital one on XXXX/XXXX/XXXX and they tried to tell me that they gave me the additional {$100.00} which is not True on a secured credit card the company gives you no money, any money used on the account is what you put in. They are now saying I owe them {$100.00}. The supervisor could n't even tell me when they supposedly gave me the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've previously addressed this matter via CFPB and Equifax reported that it is not displaying on my credit report but the account still remains. See attached. 

Company 's Response Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. After further review, the disputed XXXX XXXX account is currently not reporting on the Equifax Credit report. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Not too long ago, I received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with XXXX XXXX. I submitted a complaint thru CFPB and unfortunately all happened was that the account was transferred to a new collection name CREDIT CONTROL LLC. I recently have been receiving multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the above stated one.

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 2017-09-28
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On approximately XX/XX/XXXX ( while traction was pending ) I filed a fraud report with Barclays Bank Delaware related to transaction with XXXX XXXX XXXX with the initial transaction date of XX/XX/XXXX for  {$39.00}. On XX/XX/XXXX I received a return phone call from Barclay Fraud department where the result of the call was agreed to have a 3-way conference call with the merchant the next business day ; I did not receive the follow-up call as agreed. On this call I was also advised that the merchant is to be notified of the new credit card number. Which authorizes them to continue charging me for services that I have terminated and continued fraud. On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my fraud complaint was denied. 

I have attempted and completed as required by the agreement with the merchant XXXX XXXX XXXX. As well as all other possible means prior to the transaction date to terminate and cancel all services before the anniversary or renewal date. 

Attached to CFPB complaint is a copy of " XXXX XXXX XXXX '' agreement, e-mail notice of termination as required by agreement, and the Barclays denial notice from the initial fraud 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 monetary relief
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I contacted Transunion about a public record they have listed, Bankruptcy. Transunion have it noted that XXXX XXXX verified the information. When contacting XXXX XXXX they have sent me a letter that my file has not been shared and they have n't provided any information. I also contacted the county clerk that the said bankruptcy was filed and they stated that they do n't verify any information with credit agency 's. Transunion is giving false information. 

Also under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: DISCOVER BANK
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:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/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 2021-12-03
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2017-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Sent out letters to capital one auto Finance to remove or adjust repossession of credit report ... be hole was recovered and account was payed off early .... ( 2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from XXXX XXXX  on my Equifax Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, XXXX XXXX  responded to that complaint advising that they sent information to Equifax to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. Equifax has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to Equifax to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per Equifax, they don't have anything from you supporting this.

Company response to consumer: Closed with explanation