BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Submitted dispute of erroneous payment history on my mortgage account to TransUnion on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016 with validation documention. Contacted my mortgage creditor, who in turn agree that the information for a deferred period where they are barred from reporting payment status because mortgage is under a government agency for a 9 month term. Mortgage creditor has contacted TransUnion in XXXX, XXXX & XXXX with request that the information reported is incorrect and to remove. TransUnion has failed to correct the information for six ( 6 ) months. I contacted TransUnion on XXXX/XXXX/2016 and was told my case is being handled by the Special Handling Dept. spoke with rep. & was told case being handling by Special Handling Dept. Supervisor, spoke with Supervisor and was told my case was being handled by Priority Dept. I was transferred to the Priority Dept. left a message and have not received a call back. I received my credit report from TransUnion dated XXXX/XXXX/2016 and the incorrect information is unchanged and there is not response to my dispute. Contact my mortgage creditor on XXXX/XXXX/2016 and was assured that they would honor my request to contact TransUnion " again '' and for me to give them a call back within 24 hours. 
The erroneous information was reported to all XXXX XXXX XXXX credit reporting agencies of which XXXX XXXX XXXX have duly made the corrections and removed the damaging reporting, TransUnion has not. I am attempt to obtain a auto loan and have been denied based on the incorrect reporting by TransUnion with their refusal to correct.

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 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I originally filed an identity theft report ( FTC and police report ) XX/XX/XXXX. XXXX and XXXX corrected and updated my credit report accordingly. TransUnion had up to XXXX business days after the acceptance of the identity theft report to block my information pursuant to FCRA 605B. The unverified items that are reporting on my credit report were never blocked or investigated ; TransUnion only parroted that they were verified. I sent another letter on XX/XX/XXXX once again stating that these items must be deleted, and again they were not. Again I wrote on XX/XX/XXXX and nothing happened. I sent a debt validation letter on XX/XX/XXXX and was only told that it was verified again. I included in this letter that the CRA must send me the documentation as proof of verification and validation of the debt. I sent my XXXX and final written request on XX/XX/XXXX. I will be sending out an intent to sue in XXXX days. I also called TransUnion and spoke with someone there. I have her direct information if you would like it. She told me that TransUnion does not need to provide documentation, and this violates my rights, as these accounts were then never verified. All of my requests have been ignored and I intend to pursue this to the full extent, as these accounts are unverified and do not belong on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have XXXX open collections on my TransUnion from XX/XX/XXXX, and XX/XX/XXXX. I went bankrupt in XX/XX/XXXX and these should be closed. 

Also I have XXXX open collections on my XXXX report from XX/XX/XXXX that were also part of my bankruptcy in XX/XX/XXXX that should not longer be opened. 

This was case number XXXX, XXXX District of Wisconsin. Please correct to reflect accurate 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 explanation
Consumer complaint received 2022-05-15
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
On or about XX/XX/22, I received a notice of a declined credit card from XXXX XXXX, I also received an alert from XXXX XXXX  about a new inquiry from XXXX XXXX XXXX, two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as XXXX had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I 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 2016-03-04
Company: FIRST HORIZON BANK
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First Tennessee Bank had this account charged off, closed, void and released back in 2012, however they continue to report this account as BALANCE DUE AND PAST DUE account on my credit report.. which is damaging my credit ratings and has been causing me a lot of financial distressed. I find this to be a violation of my consumer rights when the bank states they charged off this account, no longer want to collect on it however keep reporting it on my credit report EVERY MONTH as a closed account with past due balance. I have been trying to resolve this issue with them for 4 months now, was told to submit a request in writing which I did 4 times now ( see attached ). They claim NOT to have received my letters and NOW they are ATTEMPTING TO COLLECT DEBT ON THIS ACCOUNT BUT CALLING ME NON STOP AT ODD HOURS OF THE DAY ... .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this one late payment to be removed because it is affected my score in a negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
( check processed twice ) Check # XXXX dated XX/XX/XXXX for {$300.00} that was previously processed and paid out XX/XX/XXXX was withdrawn from my checking account again on XX/XX/XXXX. The act caused the account to go negative and three {$36.00} overdraft fees were charged to the account. I notified my local branch, customer service and filed a dispute/claim as soon as I identified the issue ( XX/XX/XXXX & XX/XX/XXXX ). 

The check image ( front/back ) shows it was processed in XXXX. The same transaction shows up in both my XXXX and XXXX bank statements. 

The bank acknowledges that the check cleared years ago, and again this year which is an odd scenario. While I thought the issue was being resolved, to my surprise my bank has not even started an investigation into the matter. 

A few days ago I received an affidavit of fraud form from the bank requiring a sign and notarized statement ; unfortunately, neither of the scenarios detailed on the form match what took place. Although, the bank agrees the check was processed twice which appears to be a bank error the issue has yet to be resolved. 

The account is my primary checking account, not being able to access it has disrupted my everyday activities ( i.e. bill payments, direct deposit, etc ). 

I have all evidence detailing the error : XXXX bank statement, transaction detail, check image ( front and back )

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 2020-06-10
Company: Nelnet, Inc.
State: NY
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:
My name is XXXX XXXX XXXX and I got caught in " The XXXX XXXX XXXX '' student loan scam. I was paying them for like two years and finally received correspondence telling me that I had gotten caught with a whole bunch of other individuals from coast to coast totaling in the amount of XXXX " XXXX. '' FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX  XXXX ( XXXX  ) ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of California

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have not been able to find out if my child 's SSN has been misused, but since her number was in the XXXX system at the time of the breach, I am concerned. TransUnion will not let me have a report on her, and I do n't know what else I can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Contacted Trans Union on XX/XX/2017 in reference to a credit monitoring alert. Information from XXXX that was previous deleted by Trans Union has been reinserted with a different account number. I request a paper copy of my credit report for review.

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 2021-12-30
Company: Experian Information Solutions Inc.
State: WA
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 sent experian a letter letting them know that XXXX XXXX needs to be removed from my credit report for multiple reasons one I am not the owner of the account that is posted on my account another reason is because its reporting inaccurately across all 3 credit bureaus its already been removed from XXXX and XXXX but Experians is still reporting it and I also let them know that I would be contacting yall if they didnt fix it another account on my credit that I asked them to remove because its not mines and its reporting negatively is XXXX XXXX and one last account is XXXX XXXX XXXX XXXX none of these accounts are mines I didnt authorize nobody to open anything in my name and I let them know in detail that they are not accurate and that I want proof that these accounts belong to me I have not received any proof and they have not tried to help me in any way to get these things off 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 2020-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed my BOA checking account ( Debit card ending in XXXX ) in XX/XX/2019. The balance was roughly $ 64.xx. I have called several times to request refund since XXXX BOA claimed to the refund check can not deliver in XXXX Called customer service a couple times more to verify the address and was told the check will be sent out by end of XXXX, then XXXX ... Till today, I have not seen any check delivery. No explanation and no further follow-up.

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 2021-12-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, Pennymac Mortgage currently holds my mortgage ( which I refinanced in XXXX and then Pennymac subsequently purchased ). They call me constantly to refinance again. I called them in XX/XX/XXXX to have them remove me from their list. They assured me they would stop calling me about refinancing ( and while I was on the phone with them, they tried to sell me a refinance again ). They typically call me 5-6 times per week. Please help. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dear Consumer Financial Protection : Fedloan refuses to accept, the US Dept of Veterans Affairs as a 'qualifying employer ' for purpose of Public Service Loan Forgiveness Program . 

For the past 12 years, Fedloan has contracted with the US government to manage my federal Direct Loan/student loans that I accumulated to become a XXXX XXXX XXXX  ; and for the past 10 years, I have an agreement with Fedloan, while working in Public Service, my monthly student loan payments will go toward Public Service Loan Forgiveness after I have made 120 qualifying monthly payments ( I have made about 90 or so ) under the qualifying repayment ( IBR ) plan, while I am working XXXX for a qualifying employer. 

Prior to, and since XXXX until current with no break of service I have worked for the XXXX XXXX  as a full-time XXXX XXXX XXXX  XXXX, as a XXXX  XXXX, serving XXXX XXXX soldiers, dependents and Veterans with the US Dept of Defense/US Army ( DoD ), and the US Dept of Veterans Affairs, XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Since XX/XX/XXXX, Fedloan has refused to certify the 'VHA ' as a qualifying employer, having left my monthly payments made toward Public Service Loan forgiveness in limbo. 

I have received letters from Fedloan, unsigned, unnamed, no contact information other than Call Center. Calls to anonymous Fedloan Call Center maze have been going no where, all of the agents declining to refer my calls to a Supervisor or Manager. 

I will be grateful if you assist in facilitating the Fedloan 's understanding, that mental health professionals and practitioners working for the XXXX XXXX  XXXX  the mentally ill, is a Public Service - it pays less than working in private practice, and I work in the desert of XXXX XXXX where there is an enormous shortage of mental health providers and low quality of life ; Fedloan 's refusal to act in good faith and capriciously refusing to accept my current employer as a bona fide 'qualifying employer ' is a Public Disservice. 

Thank you for your time, sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROCOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2016-06-01
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This is outdated old debt older than 7 years old that should have already fallen off of my credit report and I have asked them to quit contacting me year after year, yet they continue to follow me even when I move and when I change my address and phone number. They send letters and call me. They updated the debt on my credit report so it renewed a couple of times and would not leave my credit report. It looks to me as though they changed the dates of my debt from the original default dates so it would stay on my credit report longer than 7 years! I know this because I never opened any cards in XXXX or XXXX or XXXX! I noticed that a few of my debts keep getting renewed over and over again to update them over and over again so they wo n't fall off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called Capital One at the beginning of XX/XX/XXXX to discuss how my name ( XXXX XXXX XXXX ) was on a credit card without my permission. They assured me the credit card was not associated with my social security number, and closed the account. At the beginning of XX/XX/XXXX, I checked my credit score on credit karma and found that the card was associated with my credit line. I called Capital One again to find out why the card was on my credit line. They told me that XXXX XXXX  opened this credit card and that they acquired the account in XXXX. The only people I can think of that have access to my banking information who would use this in fraudulent ways is XXXX XXXX XXXX XXXX XXXX business office, specifically XXXX XXXX, Procurement Coordinator, and XXXX XXXX, my legal mother. XXXX XXXX made a comment that she and my supervisor XXXX XXXX, Executive Director, Marketing and Communications,  have access to my A number ( that is tied to my social security number ) and can access my banking information at any time. Also, XXXX XXXX gave me the card. XXXX has told me verbally that she tries to hide money in different accounts and asked to hide money in one of my accounts while she was in a legal dispute. The account has been terminated according to XXXX XXXX, but I wasn't aware it existed till XXXX of this year. I have been employed with XXXX XXXX XXXX XXXX since XX/XX/XXXX. They have been caught stealing money from The Missouri Department of Economic Development in the upwards of XXXX XXXX dollars. They also have a very lackadaisical business office practice for their procurement processes. As an administrative assistant, I witnessed their software, XXXX, have multiple business accounts with slight variations of names so that they can pay out of different business lines. I also witnessed them cut checks for large quantities ( hundreds of thousands ) to businesses without going through there XXXX software. Because XXXX XXXX XXXX XXXX has already been involved in stealing money from government departments, and they are threatening me for speaking up about what I know about the school, I am afraid that they may commit identity theft and use my name for fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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 recently applied for furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit reports so that maybe I would get a better understanding. After doing so I noticed some items on my credit reports are not mine. I'm unsure of how this happened. I need these items deleted from 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 explanation
Consumer complaint received 2015-04-29
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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