BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am trying to buy a home and have been watching my credit report nearly every day on XXXX. Suddenly, today appeared a derogatory mark on both XXXX and TransUnion. Filed by STATE XXXX. I know the STATE XXXX HAS A HISTORY OF PLACING BOGUS LIENS ON NON-RESIDENTS, and that XXXX recently lost a case XXXX. I have never worked or lived in the state XXXX. I have had a XXXX XXXX there since XX/XX/XXXX which I visit one or twice a year. Details : Public Record : Tax LienFiled $ XXXXPublic Record DetailsReference NumberXXXXDate FiledXX/XX/XXXX XX/XX/XXXXDate -- StatusFiledAmount $ XXXXClassificationLienTypeState Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted my disputes to the Transunion Credit Bureau. They have refused to remove the erroneous information and continue to send me letters saying they have verified it. I have sent documentation and have also requested copies of the instruments and the investigation process. Transunion refuses to comply. 
They are also listing XXXX addresses I never lived at, and I have sent copies of my lease from the last six years, a utility bill and a copy of my drivers license as they requested. I did not ever live at the following : XXXX, IL XXXX XXXX, IL 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 2023-01-31
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 I signed a contract with publishinglife.com to produce a book I authored with the assistance of their staff. The cost is {$2000.00} with an offer to make payments XXXX months later through XXXX. On XX/XX/2022 I made a request to cancel my enrollment because I as understood the offer payments would begin XXXX months later. The offer was not honored, I was billed within the first week of enrollment. Also, I learned that XXXX would require additional fees for coaching, marketing, publishing, etc. after watching modules to start the course. The information that additional fees would be required was not disclosed at the time of enrollment. From XX/XX/2022 until the end of XXXX, 2022 I continuity disputed being charged payments to pay the $ XXXX on a monthly basis to Synchrony Bank/PayPal . The only source of communication was with Synchrony Bank, publishinglife.com could only be reached by email. XXXX with Synchrony Bank ceased in XXXX because I was told their position sided with publishinglife.com who is the client. XXXX wrote an email stating their policy for cancellations was either within XXXX hours of enrollment or 6 months after. I was told I did not qualify for cancellation at the 6 month period. Synchrony Bank continues to call my cell phone daily, weekends included and send bills requesting payment.

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 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Received TRANSUNION credit file # XXXX dated XXXX/XXXX/XXXX and noticed that ( 1 ) XXXX has been reinserted ; ( 2 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account ; ( 3 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 4 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 5 ) XXXX Bank was deleted and now reinserted, also reported in remarks as " Bankruptcy Dismissed ''. As stated in attached letter, these accounts were never incorporated into original bankruptcy file. Bankruptcy ( Public Record ) was deleted from file in XXXX. TRANSUNIONs ' data does not warrant these accounts being reported as adverse accounts.

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 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion removed inquiries from my credit report and re-added the inquiries without notifying me.

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 2022-06-09
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A loan was taken in the amount of {$3500.00} from a national payday loan company on or around XXXX with XXXX payments of {$380.00} and XXXX payment of {$380.00}. The payments have been taken out of the bank account automatically on the day the social security money hit the account which is every XXXX day of the month. The first payment was made on XXXX. XXXX payments have been made in the amount of {$380.00} through XX/XX/2022 totaling an amount of {$12000.00}. At the time of signing, the payday lender requested blind signatures on an electronic pad and did not offer copies of the 18-page contract that was signed. The debtor was XXXX  years of age when the contract was executed. A request was made to receive a copy of the original contract and it was provided on XX/XX/2022 in XXXX which is the debtor 's primary language. On XX/XX/2022 the bank was contacted to do a stop payment on the XX/XX/2022 payment. The reason why is that the debtor is currently XXXX and lives on social security and a small pension of {$570.00} and can no longer afford to continue to make these payments. Debtor feels that the payday lender took advantage of him. The payday lender was contacted on XXXX and XXXX. A supervisor made an offer in the amount of {$1200.00} to settle this account. This offer was rejected by the debtor. Debtor is applying to low-income housing facilitites and can not afford to have his credit ruined by a loan that was purposely made to defraud and to committ elderly abuse. The APR is set at 131.915 %, a number that was purposely concealed from the debtor by not providing copies of the 18-page loan document. Debtor has attempted to negotiate with payday lender but not amicable settlement has been reached. Debtor feels that paying interest is ok for borrowing money but not at the rate of 131.915 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed items on my credit on XXXX/XXXX/16 directly with TransUnion stating information was incorrect. There investigation came back that everything was verified and correct. I stated that the accounts were not mine, as I knew because the balances reflecting on my credit bureau were incorrect. TransUnion instructed me to reach out directly to creditors and file a complaint with CFPB, which I did. I have attached documentation. 

XXXX XXXX came back indicating a completely different balance than the credit report agency is showing, which supports my claim that this account on my credit report is not mine and needs to be deleted. .The account TransUnion is reporting as mine has a balance of {$11000.00}. The account XXXX XXXX has for me has a balance of {$15.00}. I submitted all this documentation over to TransUnion, to notify them I had documented proof that the account that they were reporting was not mine. Their solution was to contact XXXX XXXX and update information. 

TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) which is designed to protect the privacy of consumer report information and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. I had furnished proof that the information Transunion is reporting is in accurate and they refuse to delete it. Which is a violation carries a fine up to {$3500.00} per the information I found on FTC website. 

I have attached over all the documentation I have sent to TransUnion. This situation is causing a lot of undue stress and financial hardship. XXXX XXXX sent over a letter providing me the account balance information, which does n't match anything the credit bureau is reporting. I have attached my TransUnion credit report from XXXX XXXX, so that you can see the incorrect XXXX Account that TransUnion refuses to delete.

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 2016-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I used the Equifax online system to request a temporary lift to me Security Freeze on XXXX XXXX, 2016. The fee for this service is {$10.00} for which I supplied a credit card. The Equifax website returned an " Error '' page at the point of payment. When I received my credit card statement, I found that I had been charged {$10.00} twice for the same transaction. Trying to reach Equifax by phone is almost impossible. They do n't want to talk to you. They do n't make it easy to find a number other than their " Automated '' system numbers. After searching for a " live person '' number I called XXXX XXXX XXXX. I wasted a lot of time on hold then wasted more time speaking with an agent at a call center in the XXXX and her supervisor. They are the " flak-catchers '' and are there to waste your time and wear you down. They have no authority or capability to help you. They were difficult to understand and were of no help. I finally got them to transfer me to Equifax in XXXX and then of course, I was hung-up on. Before the transfer, the number I was given to reach a " live person '' in XXXX at Equifax is XXXX XXXX XXXX. When you call this number you find it is an " XXXX '' system, not a live person so you have reached a dead-end they way they want you to. So Equifax has taken my {$10.00}, wasted a ton of my time and given me no refund. The customer service experience that is the equivalent of waterboarding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX placed my account with collection agency, XXXX XXXX XXXX, P O Box XXXX, XXXX, Fl XXXX, for breaking a 24 month contract which I never had. Going into the contract with XXXX I was told that it was for twelve months, which was honoredXXXX at no time told about this ridiculous 24 month contract which I would never have gone into if that was disclosed. I returned the equipment to XXXX as they requested. The amount reported to the Credit Agency is {$580.00}.

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: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter from XXXX XXXX saying that they think that someone may have been opened a credit card account using my personal information. I made a personal credit report from Trans Union and I saw that someone has my name but different address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on 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 non-monetary relief
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received notice that an inquiry from XXXX was on my credit report. I did not authorize XXXX to run my credit for anything. I filed a dispute with Equifax indicating the inquiry was fraud and requested for the inquiry to be deleted. The inquiry dropped my score XXXX points. In less than 24 hours I received an email from Equifax indicating the dispute was complete and inquiries are factual. I called Equifax and explained to them if they could not prove the inquiry it must be deleted. They informed me to contact XXXX. I contacted XXXX who told me to contact Equifax. This inquiry needs to be removed ASAP. I did not do any business with XXXX that would result in an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Information belongs to someone else

Complaint:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a address listed on my credit report and I have never resided at this residence this is the address that is XXXX XXXX XXXX XXXX XXXX IL, I have been in XXXX tx since 1991

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been with Seterus for several years, I guess they bought my loan from my previous servicer. In the last few months they have made accounting errors and they are unable to fix them. It gets worse with every call I make. My principle has actually gone up and they ca n't figure out why. Even though I make more than the monthly payment required every month. I make {$1000.00} payment every month, for the last 5 years it used to apply to the monthly payment due and the rest towards principal. Now they apply it towards future interest. After calling and asking them to apply it the old way they said no problem. But the problem has not been fixed. After the second call they actually did a reversal that added {$1400.00} to my principal. So let me get this straight : I make more than the monthly payments due and now my principal is going up. Is n't this basic math that you learn in elementary. 
It 's sad that we as the consumer have to waste our time and money trying to fix mistakes made by these financial institutions and in the end we almost always end up losing. I can already see the future : I will have lost {$1400.00} and the will add late payment fees to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Have contacted all XXXX reporting agencies on an XXXX XXXX issue where the account was settled in XXXX 2011. Part of the settlement, which they agreed to, was that they would not report negative information on my credit file. The Cause No was XXXX. Have provided this documentation to the reporting agencies and yet they continue to report negative information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CFPB, In XXXX 2012, I sold a property located in XXXX, CA that had a loan serviced by XXXX. It was listed at {$100000.00}, which would have resulted in a short sale. Fortunately, I was able to get the property into contract and sell for significantly more, thus avoiding a short sale. However, Seterus is reporting this as a short sale, which is damaging my credit. 
I have tried working with Seterus and the credit bureaus to get this corrected, but thus far, have been unsuccessful and that is why I am now asking for your help. 
The property sold on XXXX/XXXX/12 for {$120000.00}. A logical person would ask, " How the heck did they come up with that unusual sales price? '' This was the exact amount needed to fully satisfy Seterus ' payoff demand so there would be no short sale and I would n't walk from close with any cash. Seterus ' payoff demand was {$110000.00}. My principal balance was {$110000.00}. Seterus was paid their full payoff demand which was significantly more than my principal balance and yet, they are reporting this as a short sale. I am trying to refi my home and this is negatively impacting my ability to do so. 
I have reached out to Seterus and the credit bureaus several times ( I am attaching my most recent request ) to get this fixed but Seterus has refused to change their reporting and I have never received an explanation of how they consider this a short sale when clearly, they received a full principal pay off plus expenses. 
I believe the problem is that the sale started with their short sale department and we were told it had to be closed by the short sale department ( even though at the final sales price it was n't a short sale ). But once it started with the short sale dept and was closed by them, it automatically just got classified in their system as a short sale. And no one at Seterus seems interested or cares that this erroneous reporting is very damaging to my credit and ability to refinance my house. It seems pretty cut and dried, but all I get in trying to talk with Seterus is a fax # to which I have submitted my complaint, but it seems to just disappear into a XXXX hole. 
I appreciate your assistance in helping resolve this very frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am disputing the accuracy on the status of my item. It is showing as late where in fact I paid my bill on time and it should show as 'current. ' There was never any late payments prior either. I am requesting that the CRA adjust my payment status to 'current. '

Company response to consumer: Closed with explanation