BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
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: Their investigation did not fix an error on your report

Complaint:
I need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by TransUnion. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. TransUnion has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly TransUnion has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against TransUnion to enable them investigate these inaccurate accounts and ensure their deletions.

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 2021-08-12
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: Account information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2019-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with Specialized Loan Servicing XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019, I sent Equifax a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts appearing in my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked Equifax to remove the fraudulent item ( s )  from my credit file and requested that they send me an updated copy showing the correction. As of today, I haven't received a copy of my credit report and the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage service r, Seterus, refuses  to send me monthly statements. I have not received a monthly statement in over 1 year. I have no statements  for the 2016     year and do not even know my loan number.  <P/> I have not chosen to go paperless and use the statements to remind me to make the payment. My la st 2 pa yments were late because I get busy and then forgot. I had paid the late fee, but this is very disconcerting for me. I rely on the paper statements.  <P/> This is a   XXXX   XXXX   loan It is my understanding that there is a Periodic Statement Rule and Seterus is required to send me my statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
Discover financial services are taking advantage of clients prequalify system to submit inquiries as there are inquiries in my report I did not authorize and therefore need to be removed from my report. The pre qualify check clearly says on their site it does not hurt the credit and they are submitting credit inquiries that are affecting my credit without my consent. Please remove inquiries nor authorized on XXXX and previous months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: Experian Information Solutions 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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2021-11-15
Company: AR Resources, Inc.
State: FL
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:
Todays date : XX/XX/XXXX AR RESOURCES INC XXXX AR RESOURCES INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AR RESOURCES INC XXXX AR RESOURCES INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Today on XX/XX/2019 I opened my credit card statement and I find that on the XX/XX/2019 that Transunion charged me {$26.00}. There is no way I agreed to the charge and I distinctly remember not clicking on anything or agreeing to anything that constituted a charge. On Transunion 's website in order to file a dispute a consumer is forced to agree to a credit report " refresher '' ( see below ) I take issue with this for the verbiage is ambiguous and does not make it clear that an individual is being charged. ( naturally Transunion will contest this but any notification of charging is in the fine print as they say ) in addition Transunion has charged me a total of {$84.00} and while these charges I agreed to the fact that Transunion to the day of this writing still hasn't satisfactorily resolved my issues.

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 2022-08-04
Company: EQUIFAX, 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:
XXXX Input an inquiry on my credit which was completely unauthorized and I do not recognize nor provided them access to my credit. I looked up that XXXX means XXXX  and XXXX, I do not even own a home, this is utterly and completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ONEMAIN FINANCE CORPORATION
State: LA
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:
I filed bankruptcy in XXXX of XXXX XXXX XX/XX/2019 why is onemain still on my credit report when l include them in my bankruptcy.they already mailed my title to vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I started my US bank business account XXXX routing # XXXX XX/XX/2013! I was only able to use my account for a couple months because of the fraudulent accounts being used! Someone took account information of mine and fraudulently moved my account to routing # XXXX and fraudulently opened XXXX and account XXXX routing # XXXX and account XXXX routing numbers XXXX and routing # XXXX which is a different state! I was recently informed every account is still open and under my information but these local US bank managers XXXX XXXX and others have fraudulently kept me out of my account and funds since i opened my account! I started XXXX XX/XX/2013 and linked it to my US account XXXX routing number XXXX and have not been able to use my funds since XX/XX/2013! Now my square account XXXX is showing as a US bank federal account! It is a shorter version of my XXXX that i have never been able to use because of the fraud going on!

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Transunion ( Fraud Victim Assistance Department ) XX/XX/2022 Open I provide a police report which I forgot to upload in my last complaint

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 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX of XX/XX/XXXX, I was offered a balance transfer promotion by Capital One. I requested the balance transfer for the amount of {$2700.00}, it was supposed to go to my XXXX XXXX account. I noticed it hadn't gone through, but I gave it a few weeks as I know sometimes processing takes longer. 

The balance was never transferred into my XXXX XXXX account. On XX/XX/2020, there is a electronic transfer charge on my Capital One statement. However, the money never appeared in my XXXX account. I have been calling to resolve this for almost two years now with no luck. I've gotten Capital One representatives on the phone with XXXX representatives and tried every method possible to resolve this matter. I ended up paying off the XXXX account, but Capital One never reversed it on their end, so I have been paying this amount in order not to default on my account. I am basically paying the amount twice with interest at this point. 

Capital One requested documentation and said they would start an investigation. These investigations went nowhere and no one contacted me with updates -- I only got them if I called. This was during a pandemic when I was a XX/XX/XXXX, a XX/XX/XXXX, had to hospitalize my mother, helped my grandparents overcome XXXX, buried my grandfather in law and took my mother in law to XXXX appointments. I still made the best effort I could to provide them with the information to clear it up. They claim they can not reverse the transfer because they don't know the account it went to, but in my first ever call on this matter, the representative told me the last four digits of the account it went to -- they were only slightly different from mine, with two of the digits reversed in order. 

My last communication with them was that they couldn't resolve it because XXXX hadn't responded to them. The representative told me they would send me a letter to attest to that so that I could contact XXXX. When I received the letter, it only said that they weren't able to help me with my request -- nothing that would indicate to XXXX that they had tried to communicate and needed information. I have spend two of my most difficult years trying to resolve this issue, and am now paying a balance I technically do not owe. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXXXXXX XXXX/ {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: WI
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 have reached out to all XXXX credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from XXXX in XX/XX/XXXX. I was scheduled to start repayment inXX/XX/XXXX. When I started repayment I also consolidated my federal loans to make them financially manageable. When speaking with the person who was helping me consolidate and pick a payment plan for Public Service Loan Forgiveness I was counseled incorrectly. I asked  multiple times if the payment plan they suggested counts towards Public Service Loan Forgiveness and I was told that it did. I stayed on that plan for 2 1/2 years until finding out via my loan being sold and put into forbearance that I was on the wrong payment plan and none of my payments counted towards the 120 needed for forgiveness. It's over 30 payments that have not been counted. That's over {$18000.00} that I was counseled incorrectly out of. I have spoken to My XXXX XXXX and they say they can not do anything about it. I want to file a complaint due to the negligence of the loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
I have been attempting to resolve my credit concerns since XX/XX/XXXX and it is now XX/XX/XXXX. The car was repossessed, but redeemed in XX/XX/XXXX, and I continue to pay the regular car payment of {$430.00}, plus {$140.00} per month in order to repay the past due amount on the XXXX of every month since I redeemed the car. The account continues to report as closed and in repossession, with no payment history of funds received being reported to all three major credit reporting agencies. 

I have a loan for a XXXX XXXX XXXX with this company, and they are reporting to my credit report incorrectly. I have attempted multiple calls to this company and was outright lied to by two of their agents just to get me off of their line. They stated their credit team handles these requests and they would transfer me to their voicemail for a return call, but each time they transferred me, I was not able to leave a voicemail, the recording just continued to loop. TWICE THEY DID THIS! The third agent I spoke with actually held the line and let me leave a voicemail to their credit reporting team, but little good it did as I did not get a return call. She also gave me a confirmation number that she stated was from XX/XX/XXXX where they submitted an electronic update to the credit reporting agencies, which I later learned from another agent, was just an internal number they used for their cases, not an AUD to the credit reporting agencies. I was advised that they sent me credit reporting documents in the mail, I HAVE NOT RECEIVED THEM! I called back the following week and was told by a 4th agent that their credit reporting team does not even call customers, and she was not sure why they told me that, well I know why, it is because I was demanding they do their job and FIX MY CREDIT! They have made several violations under FCRA regarding the reporting of inaccurate information to my credit profile! It should not be so hard for a DEBT COLLECTION COMPANY to follow the FEDERAL LAWS established for instances such as these. It is not a closed account, nor is it in repossession, because I DRIVE IT DAILY! If it is closed, and repossessed, then why am I paying them????? It took them one week to report it as repossessed, and if I miss a payment, they call relentlessly bordering on harassment, so why do I have to harass them to just do the RIGHT THING!?

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