BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.

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 2019-12-12
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, I called PHH Mortgages regarding a status update for a loan modification assistance application that had been submitted on XX/XX/XXXX, for XXXX XXXX, I made 2 follow up calls after sending this assistance packet, first call was on XX/XX/XXXX, and spoke to XXXX and was told it is a complete packet and no docs. Needed at this time. The second call made on XX/XX/XXXX, I spoke to XXXX, and was told no docs needed at this time and file is currently in underwriting for review and to check back once a week to make sure that if underwriters need any further documentation and to check the status of the application. Today XX/XX/XXXX, I called to get the status and was told to my surprise told an application for Mr. XXXX has never been received and that there is an active sale date for XX/XX/XXXX, and I was asked to provide proof of the fax transmission of the assistance packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Actually several things have happened. In XX/XX/XXXX, a report was filed on my credit report that I was 30-60 days late in a payment. However, a couple of weeks before the payment was due, I called them, Synchrony Financial, and told them I was expecting a paycheck to come after the due date and I needed to ask for an extension on the due date. I got no written confirmation, however they said they understood. I paid a couple of weeks late and few weeks later, the complaint showed up on my credit report, causing a pretty big drop in my score. <P/>This past XX/XX/XXXX, I made a payment for the month of XXXX. On XXXX XXXX, I went back and made a payment for XXXX. This month ( XXXX ), I logged in to make my payment and lo and behold, they are charging me for two months with a late fee. <P/>The final straw, I uncovered while noticing the late fee. The products ( furniture, half of which that fell apart and they offered no recourse or refund at the store ), had just passed the time for no-interest accrual this month. At an insane 28 % interest rate, and about {$1600.00} left on the balance, the interest charge should have been an astronomical amount of {$440.00}. However, they charged me {$900.00}!

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 monetary relief
Consumer complaint received 2019-12-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$520.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the Statute of Limitations has not expired on this account. 
- Show me that you are licensed to collect in my state. 
- Provide me with your license numbers and Registered Agent of Service. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately. 


If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over 709 Transunion has me at a score around 490. That is a huge difference. Transunion paints me as a XXXX. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX. PLEASE HELP ME PLEASE im XXXX  now.

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 2021-11-18
Company: EQUIFAX, INC.
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 victim discovered on XX/XX/XXXX on his XXXX report a fraudulent XXXX XXXX XXXX XXXX account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his XXXX report 8 years later in XX/XX/XXXX and on his Equifax report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with XXXX  XXXX XXXX and XXXX, which had led to no results after months of efforts. His XXXX report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the Equifax data breach back in XXXX, and in XXXX during the XXXX XXXX pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of Bank XXXX XXXX and XXXX, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around 621 and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.

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 2022-08-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan cosigner talked with Navient to pay off the loan they are associated with. Total amount due for sending in payment was {$5400.00}. Navient only applied {$4900.00} to loan. Unknown where other money was applied. Navient shows this loan still has a balance of {$260.00}. Navient owes cosigner {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and a saving account with  Santander  Bank in  XXXX   2017 . AT the time, they were offering a bonus of {$220.00} for anyone who can satisfy a list of requirements.     - Direct deposit total over {$500.00} - Account open for 90 days - Bonus pay out within 30 days After the account was open, they gave me a direct deposit instruction so I can pass it to my company, but unbeknownst to me the instruction was to transfer money into my saving. Because of that, they are denying me my bonus after 90 days and after fulfilled the other requirements.

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 2017-06-01
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: Public record information inaccurate

Complaint:
My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies .. XXXX ,  XXXX , and Transunion.     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed,   XXXX   and Transunion still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy

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 2017-06-01
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECEIVED AN ALERT VIA MY CREDIT MONITORING, THAT I HAVE A NEW DEBT WIT H TEK COLLECT, INC. TH EY NEVER GAVE ME NOTICE OF THIS DEBT. INFORMING ME OF MY RIGHT TO DISPUTE THIS DEBT OR WHAT THIS DEBT IS FOR. I HAVE MAILED THEM CORRESPONDENCE STATING THIS WITH THE EXPECTATION OF A PROMPT DELETION SINCE THEY ARE IN DIRECT VIOLATION OF FCRA. I DO NOT ACKNOWLEDGE THIS DEBT NOR DO I KNOW WHAT THIS ALLEGED DEBT IS FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX  who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX XXXX XXXX Sections XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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: Old information reappears or never goes away

Complaint:
All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

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 2022-04-26
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXXXXXX please read this, and know that it has been fradualent in that I have done the service work as a XXXX XXXX XXXX from XXXX, and I have made well over the required XXXX payments and I have filled out paperwork many, many times, and each time I am denied this has impacted our family, and to me it is lies by the government about the programs and how to get loans forgiven my wife says that THIS is diffferent, and I reluctant to even work with you as I have been lied to basically scammed in this process whey tell us you are going to forgive the loans and then just pay lip service to it are you guys for real? will you actually work with an XXXX Veteran who also worked with XXXX XXXX XXXX for XXXX years, along with XXXX XXXX XXXX and XXXX XXXX 

Send this to the federal government, send this to the company that I work with with my loans NELNET To me, it has been a scam as I have fulfilled all the requirements and been told no so many times Please help. Why the XXXX did i join the XXXX, why did I work with XXXX XXXX XXXX, etc. 
Why make those XXXX payments? ETC. 

You set the terms, then you did the lie by not abiding by the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Their investigation did not fix an error on your report

Complaint:
TransUnion ignored my letter of concerns with an account being reported as a collection. I tried reaching out to the collection agency with no success. I then notified TransUnion that the letter I sent to XXXX XXXX returned to me as " Not Deliverable '' which meant the company does not exist. How are they validating a debt with a company I can't reach? 

Not to mention, TransUnion never responded to my concerns and it has been more than 45 days. Help!

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 2021-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX  who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX XXXX {$0.00} XXXX XXXX -Balance {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, Transunion, LLC has violated my consumer rights by reporting a Chapter XXXX bankruptcy. 

Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an 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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XX/XX/2021 and I have not received any response up to this date. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( 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 XXXX XXXXXXXX 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