BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have submitted XXXX different letters on XXXX different dates requesting items on my report be verified with documents with my original signature per the FRCA which STATES Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Paraphrase : The information in the credit bureaus files ( not the creditors files ), mentioned above, is the information that they store in their computer base on every consumer. Then 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( driver license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. They refuse to show you anything because they do n't have anything in their files to show you. Instead they tell you to request these documents from the original creditor. 
2. Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section -- Paraphrase : This says the same thing as above ... they will disclose the information requested to the consumer. 
3. Page 37 ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

each time I have been sent a letter stating information has been updated but I have received no documents. today I spoke with XXXX and her supervisor at Transunion and was advised that as long as the creditor keeps updating they do n't have to verify my records and will not be removed I want all items that do n't have original documentation removed!

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 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I submitted a certified letter to Transunion disputing inquiries on my credit file. " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ''. I also contacted Transunion by phone to try and resolve the issue. I have since received XXXX credit reports from Transunion dated XXXX XXXX, 2016 and XXXX XXXX both reports are still reporting the incorrect 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 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never established accounts or know anything about the following three creditors listed on my credit report XXXX XXXX reported by XXXX XXXX XXXX XXXX reported by TransUnion, XXXX XXXX reported by TransUnion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : XXXX XXXX XXXX- XXXX XXXX, 2016 XXXX Dba XXXX- XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX -- XXXX XXXX, 2016

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 2016-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a car repossessed in 2009 by XXXX. I went to court and settle with there lawyers and paid in full the settled amount. This judgment is and has been paid in full and has been removed already from my Transunion credit report. I would like the judgement removed/deleted immediately off my account. This happened back in 2009 and this judgment is still being used against me today when getting things that require good credit. I have taken the necessary steps to fix the financial issues I had back in 2009 and it has been 7 years since repossession. I am a member of the XXXX as well in finances and it looks bad against me when I am moving places and some jobs in my XXXX require credit reports and this info is till on there. I have maid contact with XXXX over the issue and they recommended disputing the judgement and they would then remove from my account once approached through the dispute process. Please help me out

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 2015-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I applied for a XXXX XXXX/XXXX/2015 and was approved for a XXXX credit. I was told this account would report to transunion and I should allow XXXX days to see this account on my report. After XXXX days I called Transunion and was advised they do not show this account being send to them on my report. I called XXXX and was told they reported on XXXX XXXX, 2015, XXXX 2015, XXXX 2015, XXXX 2015 and was also given a XXXX increase due to my on time payments. 

Please update my credit report with the information XXXX XXXX XXXX reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: IL
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 assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXXXXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  ( an unsecured line of credit/credit card ) with US Bank REF # XXXX. 

I applied at the XXXX XXXX branch of US Bank. 

US Bank XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX The staff at the branch, the banker and the manager were excellent and friendly. 

I applied for the loan and according to my US Bank account my XXXX score is XXXX. They denied my loan request. First they said my debt to income ratio was to high. I asked them to relook and discovered my student loan payment was reporting a monthly payment of {$1500.00}. This is incorrect. I made a large payment because due to COVID 19 the interest rate of the loan was dropped to 0 %. Therefore the PAYMENT reported higher. 

I called the bankers in XXXX talked to them. They asked for the District Manager to  request an exception and told me to send proof of my payment amount on my student loans, which I did. This brought my debt to income ratio in line. My XXXX  is XXXX. They STILL DENIED my loan and would not make an exception bc of " Past Performance ''. 

This is ridiculous, when I opened my account they game me a XXXX credit card in XX/XX/XXXX so there is no reason they would not want to lend me money. I don't understand how their exception process would not allow for me to have a line of credit with them. I have good income, high credit, consistent job history, I'm a director at a different bank, and only my student loan on my credit bureaus. I seriously wonder if they review and track their exceptions. 

I feel like the bank potentially discriminated against my application and or did not treat me the same way as other prime borrowers.

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 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has refused to remove a 120 days late entry from XXXX. XXXX XXXX was the date of first delinquency. 14 months of data is missing from their reporting ( enclosed ) causing them to move the DOFD to XXXX XXXX. I 'm uploading supporting documentation, including the XXXX XXXX mortgage bill from then XXXX XXXX sold to XXXX XXXX XXXX ) showing 4 months late on my payments. Which would make the DOFD either XXXX XXXX or XXXX XXXX, which is over 7 years. I provided this document to Transunion to no avail. Thanks for your help.

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 2015-08-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Present landlord has a Writ placed in court records, which is also showing up on my credit report. I am XXXX and my son is XXXX as will. This landlord constantly keeps my name in the courts. It 's not that I do not pay my rent. My rent was late due to an error by SSI two times both times I had documentation showing the circumstances. Do to the stress I felt, I asked this landlord to let me out of the lease. I explained to him that I had found affordable housing and I was given a XXXX discount my rent would have only been {$450.00}. The landlord told me he would not let me do it, that he would mess up my credit. I have been fighting with landlords since I have been in North Carolina. Not all are bad, however they can make life unbelievable hard to live, when you need Good housing for my son who is XXXX. And they do not care who much money they take and rob you of. Enclosed in my complaint is the XX/XX/XXXX. My lease is up XX/XX/XXXX, I paid XX/XX/XXXX rent. So I am still a tenant at XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX rent was paid on time XX/XX/XXXX, File No. XXXX Date of Judgement was XX/XX/XXXXDate Writ Issued. FUNNYBUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was purchased on XXXX XXXX, 2016 by Loancare, a XXXX, XXXX XXXX, XXXX XXXX, XXXX Loancare has not made payments from escrow collected to my local real estate taxes. My escrow balance is currently {$4700.00}. My taxes are in delenquency for {$1200.00}, which includes interest charged by the municipality. Due to inadequate staffing of their phone system resulting in an inability to contact. There is over an hour wait, and still no one answers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Loancare loan # 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 2017-02-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute to Equifax on XXXX/2017 and they have acknowledged the receipt of my dispute over the phone, and online. I looked online today XXXX/2017 to view the results and they are still pending 32 days after filing the dispute. The law states that they have to have a completed investigation back in 30 days after filing of the dispute and they have exceeded that time frame. I also requested from the alleged creditors verification/validation of the alleged dept. and have received no response from them either. I can only assume since I received no response from the alleged creditor that Equifax has not as well, and are trying to stall so that the alleged creditor has longer to respond. that is not lawful and I demand that since they are unable to verify the alleged debt and terms then they most immediately remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX, I sent a procedural Request For Dispute letter to Equifax Credit Bureau listing several negative items I wanted investigated. I sent this certified mail and it was received by Equifax on XX/XX/XXXX based on the tracking information. These negative items were hurting my credit score, and as such, my quality of life. I, and they, know that they have 30 days to respond to my letter, 45 in some instances. I waited on them to respond for a full 60 days but I never received anything from them at all. No correspondence in any form, at any time. This is in clear violation of Federal Law. I then proceeded to send Equifax a Failure To Respond In 30 Days letter, Certified Mail Return Receipt on XX/XX/XXXX, which was received by Equifax on XX/XX/XXXX. I did not ask them to investigate at this point, as they had their opportunity 2 months prior. I asked them to abide by the law and by Federal guidelines and remove the listings I disputed, as per Federal code. I have not received any correspondence from them concerning this matter. Credit Reporting Agencies MUST abide by the laws and statutes set forth by the FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX I bought a new house worth {$280000.00} and I did my closing for the house in XXXX XXXX. I had to wait more than a months all because the broker that seller introduce me to and seller where not communicating. My complaint is that I am in the military and i XXXX a lot but my XXXX was to be a tax free until I found out I am owing amount of {$2800.00} for my XXXX tax return. Because of none available fund to cover this payment, the broker told me to found way for the money and he will pay me back half of the money to me after closing. So I had to borrowed from a friend in other to get the house. To make it short since I closed the house, I tried many times to get the money the broker promise me but a lied. Last time we talked in XXXX, he told me he paid the money to wrong bank account instead of mine. XXXX XXXX was last time I talked to him about the money but he keep giving me excuses, so I had to stop contacting him when I figured out it was a fraud the broker and seller had planned for me just to buy the house. I had to make this complain because twice I thought of filing bankruptcy since I bought the house and that I do not want this to happen to anyone else. People like this were involved in housing collapse in XXXX. My situation is more than this but I will really need to explain more. This man needs to be stop since his running around working from one lender to another. To let you know, I will be making complaint to the FBI and HUD. I want this man be investigate and everyone that was involved for that process. I have there names and contact information which will be helpful to share if I get reply back. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am a victim of identity theft. I discovered this when checking my credit reports through XXXX in XXXX XXXX 2015. 
I immediately placed an initial fraud alert with the XXXX credit reporting agencies. I received my credit reports by XX/XX/XXXX and I proceeded to go through the dispute process. I also filed a police report - Case number XXXX. 

In XXXX XXXX, I received a phone call from XXXX XXXX from the XXXX XXXX financial crimes department. He told me that they pulled over someone with a false license plate. When the officers asked him for his ID, he claimed to be me. He had a fraudulent copy of my drivers license with his picture on it. He eventually confessed to the fact that he has been using my identity to pick up phones from stores. 

With this information, I proceeded to file a dispute with all three credit reporting agencies. 
XXXX and XXXX removed all my requests. 
Equifax, however, did not. Equifax refused to removed a few accounts because they verified that the items belong to me. I 'm not sure what their procedure is but it 's definitely incompetent. They also refused to remove the fraudulent and unauthorized hard credit inquiries that are a result of the identity theft. These hard credit inquiries will affect my credit score and will remain in my file for two years. 

I urge CFPB to investigate Equifax and their procedure on how to verify accounts as I find them to be incompetent and lackluster.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed a dispute for an unknown medical account which had the account deleted on XXXX XXXX, 2015 ( copy of result page enclosed ) and as of XXXX XXXX, 2015 it was reinserted. 

I originally disputed the account on XXXX XXXX, 2015. From their response I filed a proper dispute on the unknown medical account, contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Equifax. I sent a follow up dispute to Equifax and at that point it was deleted. Equifax 's reinsertion of the deleted unknown medical account is a violation of the FCRA and FACTA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
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:
FTC violations sent the documentation with the affidavit to prove my claim

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 2022-11-11
Company: Experian Information Solutions Inc.
State: SC
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 have tried to contact the credit bureaus and creditors in reference to inaccurate information on 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 2016-06-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of fraud. I have attached my FTC fraud alert. I have also had accounts re-added to credit report after being deleted. I have XXXX XXXX accounts deleted that were re-added, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I have attached proof these accounts were deleted. 

Item # 1 : I dispute XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. When was this account added to my report? I have attached payoff letter also from 2007. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. Was removed from credit report once. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., account on my credit report twice. This account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: EQUIFAX, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
All of my loans from XXXX University are forgiven. This is due to the school closing for racketeering. Please remove all student loans from my credit report.

Company response to consumer: Closed with explanation