BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-04
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my 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 2016-02-11
Company: C & M Associates Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A woman called and asked if XXXX XXXX was available. I told her yes and she said she was calling regarding a " XXXX XXXX that I defaulted on in 2007. '' I asked her to send it to me in writing and she stated she would not, this was a last attempt before the matter was sent to litigation. I then asked for the company information which she deflected twice and finally provided. I asked her if I was being sued and she said yes, you will be sued if you do not resolve this matter immediately. I told her any outstanding debts from my past have been paid in full. She then told me I needed to fax proof that I had resolved the debt. I asked why I would be required to send physical proof when she was unwilling to do the same. She responded that she was n't being sued. I told her I was n't going to send anything until they sent me proof first and when I tried to explain that I have a XXXX credit score she kept interrupting me. I ultimately hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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 status incorrect

Complaint:
I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.

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 2022-01-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2016-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a judgement on my credit report with Equifax due to inaccuracies on my credit report. I asked for verification on XXXX items specific to the judgment. Their " investigation '' took 7 days and they sent me a form letter that not only did not address my XXXX original verification requests, it simply stated they updated the judgment to " paid/satisfied '' with no explanation. It is now 30 days outside of my original request, they did not validate my disputes in question nor did they remove the judgment from my credit report, and the only thing they will do is initiate another dispute, essentially giving themselves a " do-over '' on their own incompetence at my expense. I do not have this judgment on XXXX of the XXXX bureaus, and would like it to be removed from my Equifax credit report. At the very least, I would like an investigation be done to look into Equifax 's policies and procedures when processing credit report disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: UT
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 have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: AXOS FINANCIAL, INC.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 ; AXOS BANK RECEIVED MY SSA BENEFITS DIRECT DEPOSIT AND ARE REFUSING TO PROCESS IT. sOCIAL sECURITY AND THE TREASURY DEPT CONFIRMED THE BENEFITS PAYMENT WAS INDEED SENT TO AXOS BANK ON THE ABOVE DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2022-01-04
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I went to XXXX Jeep/Dodge dealership only to inquire on a vehicle that I saw online. They had me fill out a what they called " a survey '' asking basic info and what kind of vehicle we currently drove. They said it was to see what prize we won because of special promotion that day. They gave us a scratch off lottery ticket ( our prize ) then told us the XXXX we wanted to ask about was actually {$11000.00} more in price. I did not fill out a credit application as that vehicle was more than I could afford. My last words to them were to please not run my credit since I was not interested in the vehicle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the THIRD time in FOUR years Bank of America has attempted to force my property into foreclosure. They accepted payment for the loan and sent a confirmation that payment had been received and that the account was current. On XXXX XXXX, I received a notice that they were accelerating the account to foreclosure because they had not received two payments. THIS ACCOUNT IS CURRENT. IT HAS BEEN CURRENT EACH TIME THEY HAVE ATTEMPTED THIS. After 2 1/2 months, they are no CLAIMING that the bank refused to pay the check because the account was closed. IT IS NOT CLOSED AND THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE MADE FROM THE SAME ACCOUNT. They are CLAIMING they sent me a letter to this effect. THIS IS A LIE ; I RECEIVED NO SUCH LETTER. They are claiming that they attempted to call me. AGAIN, THIS IS A LIE. NO ONE HAS EVER ATTEMPTED TO CALL ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
did not access a credit report didnt ask anyone to check my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American Express closed my accounts without notice after I was affected by Hurricane Michael and after repeated attempts to pay the debt and get the accounts reopened, American Express did not not have any sympathy that the disaster occurred nor the personal events that happened after it, including the one we are facing now, Covid-19. After more than 10 years as a cardholder, American Express had no  regard for me or my family despite an immaculate payment history and in addition kept more than {$1000.00} of earned Rewards I had earned when they closed my accounts. 

I have told this company to cease contact, yet they have still continued to call me multiple times from multiple numbers, every hour, every day. I have attached call logs as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My problem is that my loan was {$4000.00} and I have been paying {$59.00} monthly since 2006. I asked them how much I still owe and they sent me info that I still owe {$3700.00}. Please direct me what I can do about Navient. My loan was with XXXX XXXX originally. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I use to have an account with bank of america with a balance of XXXX cents positive. A representative call me and tell me that they were going to close the account and send me a check with the funds available at that time ( XXXX cents ). Well i never recived any check and they overdraft the accont and report me with XXXX and now im no able to open any account because of then and i also paid XXXX cents to bank of america ( i have a recipt ) because they said i was overdraft so i want that money back and i want my status with XXXX clean and be able to open a bank account.

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 2019-08-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  – partial account number XXXX.  (Please see pages 12 and 13 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Suntrust Mortage is not giving me my interest tax statement for XX/XX/XXXX. I have requested why it was not sent by XX/XX/XXXX, and I was told they did not " process it. '' They are trying to force me to change a permanent loan modification granted in XX/XX/XXXX. I told them they can not keep my mortgage interest hostage to try to make me change a permanent loan modification.

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 2022-01-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: NY
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:
Date : XX/XX/2017 XXXX : {$38000.00} XXXX Taken : Ask for proper reinvestigation and Experian is willfully non-compliant.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I XXXX XXXX a consumer protected under the federal law has been violated. 
Transunion, XXXX, and XXXX have all deleted a XXXX XXXX bankruptcy from my consumer report and reinserted it back under a different reference number. That is a direct violation to the US Code 15 USC 1681i ( 5 ) B ( i ) and 15 USC 1681i ( 5 ) B ( ii ). That is a direct violation of the federal law, nobody every sent me any documentation of the reinsertion. I have the paper work from the Courts that says the dont furnish bankruptcies anyhow.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XX/XX/XXXX I contacted trans union about several issues with my credit report along with telling the about XXXX XXXX not up to date and accurate credit report. I informed them of all the US Department of Education loans that have been paid off since XXXX which is over 10 years that should not be on the report. I informed them of bills paid off along with this rent recovery bill that has been paid in full that other credit companies have fixed and TransUion has not. I believe this is because TransUion is a XXXX company. As XXXX people in America We are learning that Jobs, Tech Jobs, Banks, Housing appraisals and more are unevenly and inappropriately handled when it comes to XXXX peoples credit reports as well. TransUion refuses to keep up to date records of our credit and the accounts for XXXX people in America to keep us from any froms of equality here in America. If the FCPB does not start holding all the credit companies accountable when it comes to XXXX people in XXXX and their credit reports. Studies show that companies do not care about XXXX in XXXX. This is not a Sumption this is fact it has been proven over and over and it is now time for the FCPB to step in and make sure all credit companies in America are keeping accurate and proper documentation when it comes to XXXX and their credit reports.

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