BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
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 belongs to someone else

Complaint:
I have sent XXXX, Trans-union, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX 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 2022-07-15
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to Equifax and XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Equifax : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DOE XXXX XXXX Balance : {$0.00} 10. DOE XXXX XXXX Balance : {$0.00} XXXX : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DPT EDXXXX XXXX Balance : {$0.00} XXXX0. DPT EDXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, INC.
State: CA
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:
For the month of XXXX I was behind on my mortgage to XXXX and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XXXX XXXX XXXX, I submitted my payment in the amount of {$2500.00} XXXX late fees included ) to XXXX, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing XXXX to initiate the transaction soon after. 
Today XXXX/XXXX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted XXXX customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XXXX XXXX XXXX. I still have yet to receive that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Mortgage assistance with Carrington Mortgage for the second time on XX/XX/XXXX because my loan is in foreclosure and I am having trouble making the payment and getting the loan current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington mortgage to resolve my issue. The normal process takes 30 days to reach a decision if they can help or not and I have n't got to that point yet because I 've been getting the run around. The issue I am having with them is that they keep asking for the same paperwork and documentation to complete their mortgage package. ( divorce decree, other borrower financial information, letters of explanation, etc. and they keep asking for a Quit claim deed from the other borrower who has no interest in the property since I was granted my divorcee. Also I was abused by the other party and there is a current OFP on file for the next 50 years that the other person can not contact me. I have talked to several employees and Supervisors about this issue and no one seems to know why they keep requesting the same information from me and keep opening and closing my file when they know my foreclosure date is approaching very soon. I have faxed, email, and uploaded everything they needed to start the process and I have not got anywhere. In Minnesota you have 7 business before the foreclosure date to submit a request for mortgage assistance and do to this issue I am concerned that I will not meet that deadline. My situation is complicated and I would like to explain in more detail in person or the telephone. Since I have started this process with Carrington mortgage I have suffered a lot of emotional stress, pain and anxiety because I have done everything I need to do to keep my home and I feel Carrington mortgage is not understanding to that. If possible I would like all the notes and phone calls pulled from them so someone can see in detail what I have been through these last 3 months. Please if you can help I would appreciate it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-07-15
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: WELLS FARGO & COMPANY
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:
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 account 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 account listed on an id theft report. Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

Name : XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX WF CRD SVC XXXX 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 non-monetary relief
Consumer complaint received 2017-09-06
Company: EQUIFAX, INC.
State: AL
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:
I noticed inquiries on my Equifax credit report that I did not recognize, after I made Equifax aware that the inquiries were not mine. I also let them know that I had disputed the inquiries with the companies that requested them and they were not able to produce any applications signed or otherwise proving that they had written consent to access my credit report. The supervisor I spoke to, XXXX, flat out REFUSED to investigate or initiate a dispute for any inquiry. There are over XXXX inquiries on my report that I did not authorize from companies I have not even heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, INC.
State: CA
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:
Both, XXXX and Equifax report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day.
The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway?
Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee.
This bill belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 've contacted the Dept. of Education/Navient on several occasions. I 've email : XXXX and the CEO : XXXX on several occasions to address my concern. 

I have never been late. My account has always maintained a deferment status. I have 38 derogatory marks/late marks on my credit reporter all 3 reporting agencies. They all show 120-149 days late. This is affecting my credit score tremendously as I am trying to close on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I found that I was being sent to collections in XX/XX/XXXX for an account I have no idea about originating around XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX  ). I attempted to contact both XXXX and the collection agency, Wakefield and Associates ( Wakefield ). With PXXXX, the phone numbers and websites were down for 'technical reasons '. I sent an unregistered letter to Wakefield, with no response. I contacted the XXXX XXXX XXXX  and they assigned me a case number XXXX. I have been in contact with the case agent, but he mistook a copy of a registered return letter as being in contact with Wakefield. I have never heard from them, even with second registered letter, using their own template. I have lived in XXXX XXXX since XX/XX/XXXX and have never received services from any emergency services company out of XXXX XXXX since then. They have all my information to file a claim, why not contact me? I am a retired United States XXXX that has OUTSTANDING medical insurance. They have no record of any claims. 

XXXX  advised me to file a complaint with the California XXXX XXXX XXXX, and they reported that the company was 'not registered as a certified public accountant, so investigation was closed and they have no jurisdiction.. 

I have a step by step record of what I have done, and what I have received. I do not believe this charge for services is valid and would like it to be stricken, with prejudice, from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX, GA XXXX EMPLOYER : XXXXXXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry 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 2019-08-01
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not 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 explanation
Consumer complaint received 2021-08-28
Company: SYNCHRONY FINANCIAL
State: OK
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:
Payment made online on XX/XX/XXXX. Payment should have been for {$260.00} but website mad the payment for {$8100.00}. This triggered an overdraft transfer on my checking account to cover the payment. 

Contacted XXXX XXXX on XX/XX/XXXX ( around XXXX cst ) advising that the payment needs to be returned so we could make the correct payment by the due date of XX/XX/XXXX. We asked the advisor to submit the request and he was making light of the situation while laughing as I was crying. I was not confident with his actions but allowed a few days before I made a second call. 

Called back today XXXXattempted 5 calls starting at XXXX and was discounted on 4 of the 5 calls. Finally spoke with XXXX ( supervisor ) on 5th call and advised of the situation. She stated that she would submit a request for a check refund and it could take up to 15 business days. I had her speak to my husband and she explained the time frame. He also asked what happened to the first request and she had no even reviewed the notes on the account to see if a request has been submitted. As a supervisor I believe she should have reviewed the account for any notes to the situation and not just try and pawn me off with the standard " it can take 7 to 15 business days ''.

It should not take that long for me to receive the money back as it only took the ACH 1 day to clear my account. I should be able to get my money back before 3 weeks.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: AZ
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ordered a copy of my report in Identity XXXX  I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX  Bankruptcy Reference # : XXXX i believe it was reporting in error.

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 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortigage with Merilynch/Bank of America on my Condo+Parking in XXXX XXXX NJ since XX/XX/XXXX.  The mortigage company had missed payments of tax for the parking, but were paying tax for the condo only. The missed payments were only for the year XX/XX/XXXX. The XXXX county send me the notice of foreclosure in XX/XX/XXXX and i had just one day to pay off the amount and avoid foreclosure. I discussed with XXXX XXXX ( Bank of america ) and have not been successful to get the money back that i had to pay at the Tax office of XXXX county.

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