BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: Convergent Resources, 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: Was not notified of investigation status or results

Complaint:
Because the accounts and personal information being reported are not mine, I have made repeated requests to creditors and credit bureaus to have the false information examined and removed from my credit reports. I have received responses stating that the accounts are valid, but I have not received information on how they received their decision or the information receivedto verify.

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 2020-05-20
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Traded a vehicle that was financed thru TD Auto Finance on XX/XX/2020. The payoff check was received by TD Auto finance on XX/XX/XXXX. The payoff amount was overstated on the contract by {$10000.00} thus being an overage which TD Auto finance must pay back to either myself or the dealership. I was initially told by TD Auto finance that within 30 days I would receive the check for the overage. I waited and called after 30 days at which time I was told the check would be sent to the dealer where I traded my car and they would have to issue a check to me. TD Auto finance states that an internal request was sent to their accounts payable  department on XX/XX/XXXX to issue the overage check back to the dealer. The dealer and I have attempted to get an update each day since XX/XX/XXXX and have been told that it is waiting to be processed. My most recent call was today XX/XX/XXXX. The dealer is willing to cut a check back to me based on TD Auto finance acknowledging that a check has been cut and will be sent but they were unwilling to make that claim. The vehicle has been paid off since the XXXX of XXXX and they have been holding onto my {$10000.00} since that time. At this point I am concerned that TD Auto finance may be facing financial hardship and I will never see my money. Consumers incur credit rating repercussions if payments are 30 days late and it would be appreciated if the lender held themselves to an equal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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 information incorrect

Complaint:
I have mail my driving license, social, bill statement to XXXX, XXXX, Equifax and they still have not correct my address. There should be only one address on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan Servicing ( SLS ) started servicing my Mortgage less than a year ago and SLS has made several mistakes. If i was not on top of the following mistakes it could cost me more money. 
I received a frighting letter from SLS saying all my requests were denied and i had two possibilities. one was a quick sale or a deed in lieu and they needed my answer by XXXX XXXX. I'm XXXX and don't want to leave. I called a HUD counselor and he helped me. THE FOLLOWING ARE THE MISTAKES I HAVE CAUGHT SO FAR : 1 ) I found cheaper homeowners insurance and sent the 2 page declaration to SLS. SLS paid the amount on the bottom of the first page and not the total on the second page. I managed to recoup {$190.00}. overpay from the insurance co. SlS is still showing the wrong amount of the Policy on their web site. 
2 ) I received a BPO copy from SLS and the assessment left out my garage even with a closeup picture. 

XXXX ) A HUD counselor advised me to call SLS today. As i was mentioning my concerns to the teller she said i did not have a XXXX Mortgage. I got her to look at XXXX 's website. She returned and said it was overlooked???. 
4 ) After ending our call today i received in the mail another BPO duplicate of the first one. 

I made 4 attempts to send SLS this message but their site kept erasing it. 
WHAT IS WRONG WITH SLS? I hate the thought of dealing with this company in the future.

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 2020-01-08
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 and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On the third of XXXX of 2020 I went to an ATM to withdrawal {$80.00} out of my account. I had a {$100.00} balance and planned on leaving the remainder. After several attempts and several surcharges added up I still was not being granted my funds. As I checked my balance again I could not believe my eyes as my balance presented {$0.00} remaining in my account. It was devastating to say the least. I am on XXXX and rely on every penny that I can get to support my family. I contacted customer service on the sixth of XXXX and then called the claims department. No one seemed to know how to help me. After several desperate phone calls to this department and that department with no one giving anykind of realistic name or title of position they held I felt like such a fool for even trying. Still no one has offered to credit me back my {$80.00} balance realistically {$100.00} balance, but all I was asking for was the amount I tried to withdrawal and never received. The claims department told me it would be 4 to 7 days then 7 to 15 and then it became 15 to 30 and then it finally got up to 30 to 45 days before the investigation could be completed.that when I decided something had to be done on a different level.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My wife and I each have requested that the credit freeze on our accounts at Trans Union be lifted. Trans Union sends a confirmation that the freeze is lifted for the period we request, but Trans Union DOES NOT lift the freeze. Lending agencies report the accounts are still frozen. When we go back to Trans Union 's web site within minutes or days of the confirmation of lift by Trans Union, it shows the accounts have no freeze lift requested. We are unable to transact business due to Trans Union not lifting the credit freeze.

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 2020-08-11
Company: Experian Information Solutions 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:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XX/XX/2020 2020

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 2022-01-28
Company: EQUIFAX, INC.
State: NJ
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:
I the consumer never gave written consent to the credit reporting agency to furnish any information about me they did not have permissible purpose to report this information, nor did they have the right to ignore and dismiss my request for deletion. 

I will be sending my invoice for ALL violating that has been made against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Sent the attached letter to the credit company at the same time filed with CFPB. This credit report is a joke. Its 90 percent wrong and I paid {$39.00} for it. See attachment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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:
I FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS

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 2020-08-11
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-01-08
Company: Paypal Holdings, Inc
State: TN
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 contacted PayPal to inform them on XXXX XXXX, 2019, that a credit card was on my Paypal account that was not mine. I also informed PayPal there was a balance of {$1900.00} that is not my money and this is not my credit card. The representative said they would handle this. Then I receive an email from PayPal stating I owe a balance of {$970.00}. I do not know why this was happening to me when I reported this credit card on my PayPal account. I then contacted my monitoring service to see what to do. I was told to file a police report which I did and get all the documents together to prove my case. I also contacted the bank that PayPal uses to see if they could give me more information on this account that was now tied to my Paypal account. I called XXXX XXXX XXXX XXXX  and was told this bank is set up through XXXX which is like a XXXX XXXX account and there were other charges that were made on this account. The charges started on XXXX XXXX, 2019, for the amount of XXXX cents and XXXX cents. These charges were never shared with me through PayPal. I also had my monitoring service file a dispute and a dispute package was sent with my documents proving I did not add this account to my Paypal or open this account. My monitoring service has not been able to speak with PayPal even though the power of attorney was submitted by certified mail and also by fax.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02
Company: SECURITY FINANCE CORP
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have reviewed my credit report and I have found XXXX Security Finance on my repost for {$1300.00}. I when thru Bankruptcy in XXXX 2013 and this should be included in my BK, I have ask the lender several times to delete the other account and nothing has been done. the account # XXXX open date XXXX and the other XXXX is account # XXXX open date of XXXX and XXXX. I do recall refinancing the loan a couple of times but I did n't have XXXX loans at the same time. Security Finance XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: PA
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 am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to 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 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It was brought to my attention that my credit report contains items went into collections that I did not know about when I applied for a credit card with my bank. The credit report was obtained from Transunion and I have subsequently obtained a copy from them. The credit report that matches my SIN turned out had a lot of mix-ups including : - name : the name does not match- address : address does not match. All the address in the history is in XXXX and I have never lived there. 
- employment history : none of the employment history is mine- items went into collections : not mine- credit card : not all of the credit card history is mineI phoned and disputed with Transunion and did not receive any confirmation. Here are the few things I want : - correct my credit report and credit score. I was denied credit because of this mix-up. 
- explain how the mix-up happened- take actions as a company to improve processes so no one else need to go through this again and we consumers can trust that credit information is protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
i believe under the federal act and amendment that if the original creditor is not filing the compliant with bureau why is the collector not providing enough information to collect the debt or validation of debt it should be remove from bureau until further notice looking for sign contract or terms of agreement collection make frivolous attempt to collect debt as per credit bureau account number XXXX scs collector, XXXX XXXX if debt was transfer debtor should be remove duplicate debt for same entity whom is the original debt collector need original terms or agreement to support the claim making the scores drop and poor judgement, on amounts how can the make cliam i was never notify of debt or collection identity theft

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-01-09
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

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 2016-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Item # 1 : XXXX - XXXX showing as Charge off is incorrect ; this account was paid in full in 2007 and never late. It is also 10 years old and should be deleted. 
Item # 2 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account 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

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