BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX. XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX  AUTO XXXX Balance : {$0.00}

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 2019-08-16
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My dad passed and I contacted the Huntington bank about taking the loan over and they said yes we will transfer the loan to you. While I'm transferring it they decided to charge the loan off ..I 'm sending them money in the mean time not knowing. Finally I find out because of my credit score and the admitted that it was a mistake and just said opps! That's ALL??? I said. WOW

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Utah System of Higher Education
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently changed my auto-pay from XXXX checking account to another to my student loan account via Cornerstone. They never notified me that by doing that they would skip my current payment and continue next month. The ONLY reason I knew it was n't going to apply I logged into my account to make sure it my account changed and I noticed my account was skipping this months payment. The letter they sent me XXXX ONLY never mentioned skipping my payment for the current month. I feel like this is a way to get more interest from me and very unfair and seems illegal.

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 2022-03-23
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It was brought to my Attention XXXX XXXX XXXX on XX/XX/2021 reported an alleged debt of {$350.00}. I asked for proper validation documents and they failed to provide them. Then continued to report the inaccurate information to consumer reporting agencies. After knowing the debt was unverified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balanceed Owed : $ XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXXXXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 2016-11-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections and Outsourcing INC. has committed several violations of FCRA. 
They are trying to collect the wrong amount. 
They have sent a misleading illegible fraudulent receipt in response to my validation request sent certified mail. 
Their billing statement does not include the required criteria by FCRA. 
They have continued to report during dispute several times. 
They continue to duplicate report. 
They have been verbally abusive. 
They have stated in letters that they have conducted investigation without my request and have not provided said investigation information. 
Continues to threaten via letters to report to credit bureau. 
Did not send valid bill 5 days after i contacted them XX/XX/2016 as required by FCRA. 
Has purchased a fraudulent account in my opinion not only for the wrong amount but original creditor XXXX XXXX never validated debt or answered to illegal eviction charges complaints, instead just sold account. 
FCO refuses to produce legible and itemized statements validating debt. 
Billing statement contain many misleading entries, non abiding by FCRA requirements Bullying by FCO agents via phone calls and when i have called them to resolve account I 'm positive there are other violations I'am unaware of as well in there collection practices FCO has people listed on account that have nothing to do with our debt FCO lists wrong and incorrect account info and refuses to correct

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2022-07-18
Company: Experian Information Solutions Inc.
State: MS
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 have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX CPS XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: CT
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 XXXX Department XXXX XXXX Bank XXXX XXXX my Statement of Account on XX/XX/XXXX - on page XXXX you will see that my account is enrolled in automatic payment and that my next payment would be drafted on XX/XX/XXXX. According to XXXX- they had a system update on XX/XX/XXXX which deleted my automatic payment. They then reported me as late to the credit bureau. They have admitted their error and sent me a letter that the late payment will be removed from my credit reports, however, Experian has not removed the XX/XX/XXXX late mark from my credit report even though the data furnisher has requested it. I have disputed the information with Experian and they did not make the adjustment. I am including a copy of the letter from XXXX 's that indicates they have requested the XXXX30 day late ' be removed from my credit report, as well as a copy of the XXXX statement that indicates I am still enrolled in automatic payments. 

XXXX did not provide an accurate account statement - XX/XX/XXXX statement indicated that my payment would be automatically debited, but XXXX cancelled the payment due to their system update ( the statement was inaccurate - a violation of XXXX XXXX ), and then reported the payment as late inaccurately to the credit bureaus ( a violation of FCRA ). Experian did not remove the late payment as requested by 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 2016-08-12
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I Applied Penfed platinum rewards XXXX signature card on for XXXX/XXXX/2016 I was approved for the card 24 hours later I was declined and the reason given was application was built in error I immediately called up to find out what was going on they did n't know. The representative resubmitted the application it came back approved because were service rep said that the card would be mail in out XXXX to 10 days. I logged to my account and noticed that the account had disappeared from the Account screen. I am mediately called and spoke to customer service representative that informed me that my account was closed and could not give me a clear reason why it was close. Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.

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 2016-02-22
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I suspect PNC processed my transactions in such a way as to generate overdraft fees. They will continue ripping off their customers until authorities do something. Penalties for overdraft are abusive, at {$36.00} / item. This bank collected {$140.00} in fees after putting my account into overdraft, and charged me {$36.00} for a {$10.00} transaction. Had the transaction been processed in the order they 're received there would n't be a fee. How are these banks allowed to get away with this? Please let me know how I can participate in the next lawsuit.

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

Complaint:
XXXX XXXX that is damaging my credit score and it is incorrect information in my record. I never received any calls on this, and as soon as I found out I called XXXX. I spoke with XXXX XXXX representatives, and with the collections agency that XXXX uses and none of them saw an outstanding balance in my account. I would like it removed from my credit score as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: NV
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:
Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXt # XXXX {$1000.00}, XXXX XXXX XXXX Account # XXXX, {$960.00}, XXXX XXXX XXXX Account # XXXX, {$1500.00}, XXXX XXXX XXXX XXXX  Account # XXXX {$1500.00}, XXXX XXXX XXXX account # XXXX, {$140.00}, Has Violated 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-05-30
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased my house using a conventional loan in XXXX XXXX and decided to refinance it with XXXX XXXX bank. The broker at the time offered me an adjustable loan with the options of paying the minimal, interest only, or the full amount ; however, during our discussion he was less than transparent when I accepted the adjustable loan and did not inform me of the consequences of just paying the minimal, interest-only or the full amount when making my mortgage payment : to my dismay, {$1000.00} was attached to my principal balance each month when I paid anything accept the full amount with an interest rate of 8.75 percent. 
To my shock and disbelief, I was devastated to find this out! My mortgage loan went from {$240.00} and accumulated to {$260.00}. That was an increase of {$20000.00} dollars attached to my principal balance, better known as negative amortization. In XXXX at the beginning of the recession XXXX XXXX sold my loan to IndyMac. I applied for a loan modification and worked with IndyMac for more than a year to modify my loan to a more affordable rate. However, IndyMac consistently delayed the process over and over again stating that I did not file the necessary documents in spite of me sending them the same documents they requested over and over again. Eventually, I just gave up trying. 
Subsequently, I tried to short-sale my home and IndyMac also denied a short-sale. While losing my job IndyMac still refuse to work with me in granting a solution to enable me to keep my home. I also tried XXXX XXXX, and all other advocates to help me keep my home to no avail. 
Because my home is not under XXXX or XXXX XXXX, no financial institution was willing to work with me to refinance my mortgage. Therefore, the only option that is left will eventually lead to foreclosure of my home that I lived in for over 11 years. As a veteran, who served his country for XXXX years, I am simply appalled how these financial institutions " thank me for my service '' by using unethical and predatory lending practices to cheat and fill their pockets of veterans ( and citizens ) with hope that the borrower will foreclose on his/her property to collect the insurance benefits and resell the home at market value to increase their profits XXXX folds.

Company response to consumer: Closed with explanation