BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates XXXX  has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting

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 2022-06-29
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:
Theres hard inquiries not consent to pull credit or report it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello - In XXXX of 2016 I refinanced our mortgage and went through the normal procedures through the old and new leinholder, as well as the title company. The title company sent the funds to pay off the old mortgage and we received a letter a couple weeks later saying the loan was paid and closed. 

On my credit report they loan shows up as " Legally paid in full for less than the full balance. '' This is the only negative entry on my credit report. It shows up as a " major delinquency '' of great than 60 days. I've attempted twice to dispute it and they have refused to remove this negative item from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, ( XXXX ) XXXX, is the entity that provided the payoff to the title company, which they paid. If there would have been additional money needed shouldn't they have asked for it? We would have of course paid, but when we asked they said no funds were due. 

I would like this removed from my account as it is impacting my credit score through no fault of mine.

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 2022-06-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested a payoff letter for my mortgage to payoff the mortgage to get away from Rushmore Loan Management, received the payoff letter XX/XX/XXXX with a good through date of XX/XX/XXXX. Sent the payoff of {$89000.00} to Rushmore through XXXX next day on XX/XX/XXXX, to be signed for at delivery. No one was available at the office to sign for delivery on XX/XX/XXXX and someone from Rushmore signed for the payment on XX/XX/XXXX at the post office. Rushmore is now stating the payoff is XXXX and refusing to apply the payment of XXXX to the loan and still charging the full per diem interest amount on the full payoff amount instead of the change the per diem would be on the remaining XXXX. Ive had multiple issues with payments not being processed timely, or at all with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Good Evening. I have made several attempts to have the inquires, wrong names, addresses, bankruptcy accounts on my reported removed from Transunion. I have sent my information several times and I have the tracking number XXXX. I have also requested a copy of any written authorization that I gave to TransUnion to report anything on my behalf. TransUnion has violated my privacy and continues to put false information the 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 non-monetary relief
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: WI
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 am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX  and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX sent me a letter in my complaint saying they are reporting to experien. I have included it with this dispute!

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2010, my husband lost his job, as did so many others... we could NOT pay our mortgage. We tried to do the loan modification, but the mortgage company, Wells Fargo sold our mortgage to another company, DURING the modification process, which completely put our home modification is disarray. The 2nd mortgage company basically just evicted us and resold our house. Because of that we have never been able to purchase another home. They have ruined us financially. Our neighbor 's refused to leave and sued. I wish we would of followed suit but because we had young children we did not want someone to come and physically evict us.

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 2022-09-21
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ordered XXXX from XXXX, using their app, which is tied to my XXXX. 

My family moved in XXXX, and I updated my address in every XXXX system I could locate. 

The order went to my old address, regardless. 

I have spent days working with their customer service teams, which are " chat '' based, trying to remedy the situation by a ) correcting the address, and b ) sending me a replacement. 

The XXXX customer service representatives, which in the past have been excellent, have not remedied either situation, and seem to be leaving me at a dead end. 

I have requested escalation to a manager, multiple times, and keep getting strange chat responses, like unrelated recommendations, etc. 

I feel like I am being ignored and there is no accountability from XXXXXXXX XXXX side. 

NOTE : A transcript of the chat series is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Consumer Adjustment Company Incorporated
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: Was not notified of investigation status or results

Complaint:
I have sent a validation of debt to the collection company XXXX XXXX XXXX based out of XXXX XXXX Missouri with no success. I have attached the validation of debt letter that was mailed out to them in XXXX. I have also attached the return receipt where I mailed it off Certified mail and they failed to sign that they received letter. but how could they sign for it if they are a " closed company. '' I have googled the address and information that is on my credit report about this company and it says they are permanently closed I attached a photo of this as well. I am requesting full validation of debt because I know I dont owe this company anything. The debts they are trying to collect are from debts that my insurance company has already paid. This company has a track record of trying to collect on debt that is not owed. This is causing me alot of stress trying to get these 2 accounts off my credit reports. These accounts are causing me so much harm, I could possibly lose my job for accounts that should not be on my credit reports and its affecting me daily. XXXX XXXX The account numbers for both accounts are Account # XXXX one for the balance of {$560.00} and the other for {$480.00}. I am requesting these inaccurate accounts to be removed from my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-06-30
Company: Experian Information Solutions 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:
On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX  XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice

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 2022-06-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was a " premier '' customer with HSBC which they advertise as there highest level of service and that they advertise " Choose how, when and where you want to do business with your dedicated XXXX XXXX XXXX ". 
They recently decided to cancel my credit cards and accounts - I would assume as part of their withdrawal from the XXXX as i qualify by the standards still shown on their website for accounts. My complaint in not that they canceled my cards and account - as I know they can at any time and I am completely unworried by that as I had existing relationships with other banks. My complaint is that my first notice of their action was my credit cards bouncing, then being canceled by XXXX XXXX  as begin invalid. This caused significant embarrassment with regular merchants and for my wife and I having transactions declined. It would seem HSBC wrote a letter on XX/XX/XXXX- the same day they cancelled the cards ( received some 6 days later ). When I called the premier help line once I was sure there was an issue two days later I was just told it was a " security issue '' and I would have to wait for the letter. My complaint is that HSBC, contrary to the service implications of their " premier '' advertising, did not have the good grace for a personal banker / anyone ( as promised ) to reach out and advise that they had taken this action. I am not complaining about the action itself, rather the way in which is was carried out. They behaved like we are all thieves and they chose to cancel before telling us. That is very insulting and contrary to the principles of treating customers fairly.I made a formal complaint to HSBC on XX/XX/25 and followed it up on XXXX. Their policy says they will reply to complaints in 5 working days hence making this complaint. I would also add that they were elusive and it took 42 minutes to finally get to make a formal complaint on this matter. My view being that there is was " effort '' to make the hurdle of complaining too high. I would add that the premier chat operator was not aware of the letter his own firm had written so couldn't really help anyway. I have written to the OCC and the NYDFS on their complaint failure and this sharp practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.

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 2022-06-30
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a debt collector with Hunter Warfield in an attempt to collect a debt. I informed the collector that the debt did not belong to me, and I inquired about the social security number associated with the account because I have a fraud alert on my credit reports. The collector provided the last 4 digits of the social security number by phone, and it was not mine. I again, informed the collector that the debt did not belong to me. ( 1ST CORRESPONDENCE ) I received a bill by mail from Hunter Warfield attempting to collect the debt. ( 2ND CORRESPONDENCE ) The letter was addressed to " XXXX XXXX XXXX this is not my legal name and I do not have an alias. I sent them a letter requesting verification of the debt. I specifically requested a contract with my signature and the last 4 digits of the social security number connected to the account. Hunter Warfield sent me a contract between " XXXX XXXX XXXX and a creditor, there was a signature on the contract that did not belong to me, and they would not re-confirm the last 4 digits of the social security number which they provided in an earlier communication by phone. ( 3RD CORRESPONDENCE ) I sent another letter informing them that they are contacting the wrong person and I provided the evidence described above. Hunter Warfield resent the same bill, with the same contract, and is still demanding I pay them. ( 4TH CORRESPONDENCE ) At this point, they are harassing me ; the agreement that they continue to send is not between myself and the creditor, I have never lived at the address listed in the agreement, and the social security number attached to the account does not belong to me. So, why is this collection agency harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-06-30
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of my rights.

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A section 2. Also states a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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