BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a Validation Request to XXXX, XXXX and Transunion with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from Transunion Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law! 
2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
XXXX ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in Question Nationwide Account # XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.

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 2015-10-20
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2013, Residential Credit Solutions took over my mortgage from XXXX. I set up an automatic monthly withdrawal to make the minimum payments and I mail them a check when I have extra money to put to the principal of the loan. My problem is that every time that I mail this company a check, they do not put the full amount to the principle as I direct them in an enclosed letter and on the remittance slip. In one case, they even turned off my monthly automatic payment without informing me. They have lost checks that I have sent them. They never return my telephone calls or e-mails. I have even made a complaint with the XXXX. The company 's website does not allow me to pay the extra principle without incurring additional fees. When the company does respond to my written complaints, it takes them nearly two months to respond. This nightmare has been going on for more than two years. I have kept all of my correspondence with this company and I have scanned all the checks and letters that I have sent them. I would like some one with authority to end this company 's abusive and endless tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX  XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2400.00}

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 2017-04-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo posted a check to my  account on  XXXX  in the amount of {$2900.00}. On  XXXX  {$2900.00} was deposited into my account and I had more than enough to pay the difference.     They claim that it was received on  XXXX . However, everything on their mobile banking states " Posted  XXXX . '' This seems like that game where they re-order the transactions in order to charge at NSF fee. Even though they paid the check out. Which, if the funds were n't there, why would a bank pay out {$2900.00} in overdraft??     They knew the funds were there and had no problem paying the check. The check even " posted  XXXX  '' according to their website. Yet, somehow, the check " withdrew '' on  XXXX  and paid out without the proper funds in my account and they let it through, only to charge me an NSF fee.     Eventually they waived the fee after " educating '' me on their procedures. However, this seems a lot like the stuff banks have gotten in trouble for before.

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 2015-11-18
Company: U.S. BANCORP
State: PR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card accounts with US Bank were all frozen and later closed, $ XXXX worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-28
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Addendum to previous complaint. Please note, I will continue to file complaints against this company while legal remedy is being pursued. Update, using their online form my payment scheduled for XX/XX/2022 was not processed per my statement as such. I also called and attempted to use their automated service and reception of my payment was denied. Their automated system clearly states that a payment can not be accepted. I recorded this attempted transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
In obtaining my credit file from EQUIFAX Credit Reporting, I saw where they were still reporting a Chapter XXXX Bankruptcy that was filed XXXX. I disputed this because it has been 7 years, 6 months and they are still reporting this case. The filing of the bankruptcy was never in dispute. Bankruptcy cases has always been removed after seven years from the file date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing incorrect information that is reporting on my credit reports. XXXX/equifax/XXXX. I have an acct on there that is a result of identity theft ( XXXX ) and the credit reporting agencies just keep updating the information and keep telling me that it meets the fcra. This is completely ridiciulous as I am being penalized for something I did not do. I also had a XXXX card opened in my name and it has been verified directly with XXXX that this acct was opened fraudulantly. I have been writing letters and making thousands of calls to the credit beaurous to please remove this information off my report and they are doing nothing about it but keep updating the information. This is affecting me in obtaining credit as it is affecting my credit score. I have obtained free legal advise as to what steps I should take in suing the credit beaurous because I have allowed more than enough time for them to investigate this and remove it from my report. This has been going on for months now. I also received letters from equifax telling me I need to be more specific with my complaint. This is ridicilous as well as I ca n't be anymore explanatory. It 's IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 2016-12-03
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In the beginning of XXXX XXXX we contacted the Oklahoma XXXX XXXX to inform them that our unpaid income tax would be paid by the end of the month and to ensure a lien would not be filed. They assured us the lien would not be filed unless the income tax was not paid by XXXX XXXX. Two weeks following that conversation we received the lien in the mail which was paid in full the following day. On XXXX/XXXX/XXXX, I filed a dispute with XXXX and Equifax stating the same since this lien had appeared on my reports. On XXXX/XXXX/XXXX, XXXX confirmed and deleted this from my credit report. Equifax submitted their results today, XXXX/XXXX/XXXX and has refused to remove the lien from my credit report. It is obvious from my attached credit report that I am a financially responsible consumer who continually makes payments on time and is never late and satisfies each and every loan that I take out. This is the only negative thing listed on my report and it is hindering me from refinancing my home into a conventional mortgage which will save my family and I tens of thousands of dollars in the next decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i never applied for the following inquires i disputed several times and they keep confirming this and its not mind i send over the police report they asked for and there still not removing the following fraudulent inquires that i NEVER authorized or applied for : accion new yorn XX/XX/XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX/XXXX/14, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logic XXXX logic XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX factual XXXX factual XXXX payment systems XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX trust XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a loan for a motorcycle through XXXX credit company. I received a check from my bank offering to transfer balances at 0 % for a year. I called XXXX and gave the clerk my check number and paid my loan off. The next month I received a statement stating that i owed for two months. I immediately called XXXX and spoke to a supervisor ( XXXX at ext. XXXX ). He apologized for their error on the check for it not going through and no one from XXXX called to tell me. I gave him the check again and it got processed correctly. He stated that XXXX was not showing a late payment due to their. So, my loan is paid in full and I have my title. I got my annual credit report and Equifax is showing that I was two months or more late and my credit score went from 728 to 684. This needs to be taken off my credit report and my credit needs to revert back to where it was. My account number for the loan is as follows:XXXX. Again, the supervisor that i dealt with was XXXX ( not sure on the spelling ) at XXXX. When I called on XX/XX/2017 and spoke to the clerk that answered the phone she reassured me that I was not a day late. I will be patiently waiting for this issue to get resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Saturday XX/XX/XXXX at XXXX I received a call from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of XXXX as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified XXXX XXXX as a debt collector and then called them back to report him but the offices were not open because it was the weekend. 
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, TransUnion and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX  has payment status as : Legally paid in full for less than the full balance XXXX has payment status as : Paid Transunion has NO payment status Transunion is reporting this account as open

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2015-04-23
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold my mortgage servicing to Green Tree. Every since then it is taking XXXX3 weeks for my mortgage payment to get to XXXX, XXXX from XXXX, XXXX. They call my home before the XXXX and tell me I am late. Something is happening to the payment via mail. I do not want this company to debit my checking account for the monthly mortgage payment. This month I mailed my payment on the XXXXof of XXXX. Today is the XXXX and the payment is still not there. I have been sending my payment certified mail for the last 18 months. Please see below ; Tracking Number : XXXXImage of a progress bar displaying in-transit statusin-transitProduct & Tracking InformationPostal Product : Extra Svc : Certified MailDate & TimeStatus of ItemLocationXX/XX/2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXYour item departed our USPS facility in XXXX, XXXX XXXX on XXXX XXXX, 2015 at XXXX. The item is currently in transit to the destination. 
XXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXX XXXX, 2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXXXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXXBasically, I mailed my mortgage to GreenTree on XXXX/XXXX/15. It arrived in XXXX, XXXX on XXXX/XXXX/15. From there the post office supposedly sent it to delivery at GreenTree. However, the mortgage payment has disappeared. Most months it disappears for a week or so then it shows up. Something is wrong. I have 18 months of certified tracking show this problem. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury

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