BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-25
Company: Experian Information Solutions Inc.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Inaccurate Name : XXXX XXXX XXXX A XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX & XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 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 2015-12-23
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Statement from our Listing Agent : XXXX XXXX, The XXXX XXXX XXXX. We initiated a short sale XX/XX/2015 with US BANK. At no time were we informed by US Bank that a sheriff sale was in the process of being scheduled for end of XXXX XXXX. Owners were served a sheriff sale notice XX/XX/2015. A complete file, which includes all required and requested documentation, including an appraisal ( ordered and completed by US Bank ) was confirmed as being received with file being moved to processing on XX/XX/2015. This is after numerous times where documents were sent and confirmed as received by US Bank and later re-requested. On XX/XX/2015 I sent an email and was able to reach our assigned contact manager XXXX XXXX. She did not give me a reason as to why the sheriff sale could not be postponed, she did say she would check with her supervisor on getting file accelerated which should allow us to proceed with short sale in the event we are not able to close prior too. She went onto say she was n't sure if the file would qualify for acceleration which I found perplexing due to this new imposed timeframe and the file status being complete. She also said she had no updates from processing department and no additional documentation was required at this time. I confirmed that we continue to a cash buyer as well as a back up buyer in place ( purchase agreement provided as part of file ). On XX/XX/XXXX, XXXX called ( potentially an auto dial or required scheduled call ), it appeared she needed to familiarize herself with the file and had no updates for me aside from that she felt a short sale would n't get done in time? I asked her if file had been accelerated and she said no and furthermore we had also not been assigned a processor or negotiator. This is week 4 that nothing has happened on file since confirmation of complete package was received, except for US Bank to serve owners with a sheriff sale notice. It was disconcerting at the lack of familiarity she had with file when she advises she is only point of contact. She would not provide contact information for the processing department but did elect to share that her supervisor XXXX XXXX sits right next to her.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
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:
Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I signed up for XXXX XXXX  to pay my mortgage to Nation Star Mr. Cooper Mortgage company. 
Six mortgage payments from XXXX of XXXX to XX/XX/XXXX were sent to Mr. Cooper. I by mistake entered the wrong mortgage account number on my XXXX XXXX  The correct For 6 months my XXXX  XXXX XXXX was sending these payments to the wrong account. 
At the same time Mr. Cooper was withdrewing the same amount every month through their auto pay and as a result of that 2 mortgage payments were moved to Mr. Cooper every month for 6 months from my XXXX account. 
When I found out 2 months ago I contacted both Mr. Cooper and XXXX  to solve this problem. They are both blaming each other. XXXX people say they have sent these payments and they were accepted by Mr. Cooper and they provided me with the proof of that these payments were accepted by Mr. Cooper. Mr. Cooper says since this account doesn't exist we rejected these payments. 
Not only that but it's taking me many hours every day to contact someone from XXXX  and Mr. Cooper trying to resolve this issue. I have spent so much time for the past 2 months talking to different representatives from both XXXX and Mr. Cooper without reaching a solution to this problem. 
If these payments were sent and accepted by Mr. Cooper and Mr. Cooper rejected them then where did these payments go? My six mortgage payments that totaled close to {$10000.00} are lost and no one seems to know what happened to these 6 payments.

I would appreciate your assistance in resolving this problem. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ref. : COMPLAINT ID XXXX - SUBMITTED ON XX/XX/2020 Greetings, with reference to our complaint referenced above against Dovenmuehle Mortgage Inc, and its affiliate XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX Please note the following developments : 1. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in fixing our billing statements, to match the Mortgage Note terms and conditions.

2. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, they FAILED and continued to FAIL in acknowledging the Mortgage Note terms and condition and continued its fraudulent billing behavior.

3. Dovenmuehle Mortgage Inc, with its deceptive and fraudulent intents, in a desperate attempt to escape it responsibility and legal liabilities ; they notified us today via mail ( XX/XX/2020 ) that they are transferring our loan to a new servicing agent " XXXX XXXX XXXX '', XXXX XXXX, XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Old information reappears or never goes away

Complaint:
I have disputed incorrect information on my credit report with Experian several times and they have not made changes. I finally called the original creditors and they told me that Experian never contacted them. This has happened with different accounts. Experian does not contact anyone to confirm information but just tells you that the information has been verified when it has not been. Most recently I paid a debt collector on two accounts which went by the wayside due to my husband 's passing. XXXX XXXX sent me an email confirming payment and also advised Experian to delete their tradeline from my credit reports. Experian has done nothing to resolve this, and it is keeping me from getting housing. I am XXXX old and XXXX XXXX XXXXXXXX if Experian does not make the necessary corrections on my report. I recently had one issue corrected myself and it was removed immediately by the original creditor. I had reported this to Experian several times and they did nothing except tell me the account was verified when, in fact, it had not been. I have a zero balance on my bank credit card which I verified with the bank but Experian reported a balance for several months. PLEASE HELP ME. They must remove XXXX XXXX per their request. These errors are hurting me. None of the credit bureaus make corrections in a timely manner. Thank you 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 non-monetary relief
Consumer complaint received 2016-10-11
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2016 I requested XXXX and its XXXX.to review my file and consider a resolution through a complaint I file on above mentioned date. I am now employed and have established myself again and I am able to retain my home. My complaint ID is XXXX. The reason for my default has to do with the loss of my job. XXXX XXXX was consistently informed of the progress I have made. 
We are in foreclosure and looking for a sale day. I am want to retain my home for us and our XXXX children. Please I have now send another package to the new servicing co by th e name of XXXX. I have also done a forensic review of my file and found discrepancy 's. I am attaching it for your review. I need to keep my home I would appreciate a quick response.

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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 2017-05-22
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with  PNC  BANK. I 've had this mortgage for years. Now my payments are changing without notifying me in advance. They are adding insurance that I already have and taking the money out of my Escrow. I can never reach anyone at PNC. There is a recording. This is wrong. They are literally taking my Escrow money and doing what ever they want with it. I never miss my monthly payments, yet my balance on my home is much higher than what it should be. The balance has gone up and not down. This company is not operating in compliance. I need your help with this matter. I want to put a stop to this and get my statements from PNC. I also want all money taken out of my Escrow for insurance that I already have returned.   I thank you in advance for looking at my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the XXXX credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a settlement offer from Transworld Systems Inc for {$0.00}. I called them to take the offer and was told they wanted me to fax the offer to them for review. I faxed the letter on XXXX/XXXX/2016 at XXXX. I called to confirm they received the fax. I was told they did and to give them 14 days to review the letter. I called back on XXXX/XXXX/2016 to check the status and spoke with XXXX XXXX. I was informed they never received the fax and to resend it. I resent the fax on XXXX/XXXX/2016 at XXXX. I was told that Transworld Systems Inc will not be honoring that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2022-07-24
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was block on XX/XX/2021, and after blocking I was told I will be able to transfer my funds from the account after 180 days. Its almost a year now Ive not been able to transfer my funds. I have {$450.00} in my account, Ive lodged complains on my PayPal account but still not getting solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both Transunion and XXXX  originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from Transunion or XXXX  and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by 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 2020-06-17
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: Information is missing that should be on the report

Complaint:
MY COMPAINT IS WITH TRANS UNION XXXX XXXX XXXX XXXX PA XXXX. FOR WRONG REPORTING OF INFORAMTION. I PULLED MY CREDIT REPORT AND FOUND TRANS UNION AND XXXX  XXXX XXXX XXXX XXXX GA XXXX. IS REPORTING XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX. ACCORDING TO TRANS UNION THIS ACCOUNT LAST REPORTED IN XX/XX/XXXX. THAT NOT TRUE I STILL OWN THE CAR I MAKE MONTHLY PAYMENT ON CAR TO XXXX FOR {$400.00} A MONTH. ALSO THE REPORT AS OF XX/XX/XXXX IS REPORTING BALANCE WRONG {$12000.00}. THE LAST ACTIVITY OF XXXX XXXX THAT REPORTING WRONG.. THE HAVE ON THERE 48 MONTHS THAT WRONG. 30 DAYS WRONG 60 DAY REPORTING WRONG AND 90 DAY REPORTING IS WRONG. IS SHOWING 48 MONTHS THAT NOT TURE IS A 79 MONTH LOAN. THE REFUSE TO REMOVE THIS INFORAMTION. I SENT OVER DOCUMENT OVER TO CREDIT BUREAU THE WILL NOT REMOVE REPORTING. THE STATE THAT THE MAKE SURE CREDIT REPORT IS ACCURATE.

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 2022-07-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In response to XXXX I wrote equifax about a problem I was having with XXXX XXXX XXXXXXXX about a collection they said I allegedly owned. Equifax claims that the company was able to validate that debt but I believe it was just a generic response because XXXX couldn't now validate or verify the debt and therefore removed it. I want equifax to please delete the account immediately before i have to file a law suit against them. 
The proof that XXXX deleted the account is attached to this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am lodging this complaint because Experian has refused to adhere to my request of providing me with the documents that they have on file that was used to verify the accounts that I disputed which in my eyes has not been properly verified and according to Section 611 of the FCRA they are required to delete any information that can not be verified that I disputed. Please resolve this matter as soon as possible. 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