BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-27
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking on my credit report and seen a collection from a " Source Receivables MNG for : XXXX '' of the amount of {$1700.00}. I never used XXXX for anything. I called the collection department at ( XXXX and spoke to XXXX and gave him everything he asked me for and couldn't find anything with my name on it. I was told to call XXXX and see what they say and have them to call him back after they settle the dispute. So I did call XXXX at ( XXXX and spoke to XXXX and he couldn't find anything either cause I didn't have a phone number to give them to look up my account which I didn't have no account to give them or a phone number. I gave them my name and still couldn't find anything either. So I called Source Receivables MNG and spoke to supervisor XXXX and gave him the same information I gave XXXX and still couldn't find anything either. So I call XXXX fraud department and spoke with XXXX and she was a very nice lady and really helpful. She file the complaint on her end and told me to file my complaint on this site. All i want is to stop this fraud on my credit report. I pay my bills and I don't need this on my credit report. I appreciate it if you can help me solve this problem. This isn't the first time I had a bad experience with fraud on my credit report. I never received any phone calls or letters, emails from this company that file on me for a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
There is a person with a similar name to mine who I have had issues with in the past 10 years a few times. The person with the sae name has opened multiple accounts under the same name but the credit bureaus are mixing up files and putting the accounts that belong to him on my report instead of his. The account im referring to is a vehicle loan for over {$32000.00} that does not belong to me. I have reached out to the company directly to try and resolve the issue but it seems they cant give me any information because i dont have the exact info as the identity XXXX. 



I would like this account immediately removed form my credit report. I am trying to purchase a home but they keep informaing me with that auto loan that is not mine I cant move forward. This is really stressful and its not right. Please help me resolve this issue as the credit bureau is not helping at all. I have attached copies of the police department as well.

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 2023-02-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-22
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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
Consumer complaint received 2023-08-31
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Flagstar Bank took over my mortgage in XX/XX/XXXX. I enrolled in bi-weekly payments on their XXXX website. Every XXXX weeks, XXXX of the mortgage payment is withdrawal from my bank. The first withdrawal is to be " held in suspense '' until the second withdrawal posts- they would then combine the two payments to make one complete payment.

I've had to call twice a month as they keep mis-applying the bi-monthly payments. Sometimes they put the funds in suspense, sometimes they apply to principal. There is not a clean transaction history for me to follow as they have over XXXX line items for what should only reflect XXXX. This is occurring due to their system as they end up having to do reversals to make it right. This is happening weeks later causing my loan balance to not be affected in a timely manner. 
Furthermore, I was making a selection on their website to make additional " principal only '' payments that again get applied to principal, then the history log shows they reverse it ( causing my balance to go back up ) and then they hold it in suspense. 

All of these errors are due to their system. My concern is my balance isn't being reduced on time when they receive my payment, and I'm being charged for interest on a balance this is incorrect. 
Mortgage payments were made on the following dates : XXXX & XX/XX/XXXX ( bi-weekly =combine XXXX to make XXXX monthly payment ) XXXX and XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX I've made calls the them starting in mid XXXX ( spoke with XXXX  ), end of XXXX ( spoke with XXXX XXXX, XXXX XXXX spoke with XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX ) XXXX spoke with XXXX, XX/XX/XXXX spoke XXXX XXXX and again on XX/XX/XXXX XXXX Called XXXX spoke with XXXX, XXXX didn't get the person 's name, XXXX spoke with XXXX for XXXX an hour and got transferred to XXXX ( XXXX ). No one seems to be addressing the fact that my funds aren't being applied to the loan balance in the timely fashion. 
I am concerned that they are practicing deceitful banking practices. I fear my balance is not correct, and I am being billed for interest on an incorrect balance.

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 2023-02-26
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: Personal information incorrect

Complaint:
This is the 3rd or 4th time I've requested my unit # be added to my XXXX address. It just seems to be such a mind boggling puzzle for Equifax to do this right! Why is it complicated? Is it XXXX XXXX? NO! Is it rocket science? NO!!! They just don't want it to appear accurately. By them sending me their junk reports from their system they think that means something to me. It means NOTHING!!!! It's a lie but when I run my real credit that creditors see, IT'S STILL NOT CORRECT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PAY FOR DELETE REQUEST Date : XX/XX/2023 Account Number : XXXX Amount Listed : {$400.00} Dear Global Lending Services, I, XXXX XXXX XXXX am writing to offer your credit department a one-time offer to settle the alleged amount due for {$200.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. However, as I do disagree with the total amount owed, I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 

If the items mentioned above can be met, I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 
Feel free to contact me through one of the following : E-Mail : XXXX Phone : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 explanation
Consumer complaint received 2023-01-22
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, XXXX, I signed an application to start the process for a reverse mortgage with Reverse Mortgage Funding LLC. I expressed my interest in getting a loan at that time because of the very low interest rates. The loan XXXX estimated it would take @ XXXX days to process and close the loan. 
XXXX, the loan XXXX requested documents. A short delay with verifying my son 's documents and it took XXXX XXXX weeks to deliver due to my package placed in wrong box. We had a brief discussion about the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The loan XXXX stated he would not start the loan process until after the increase. 
On XXXXXXXX XXXX XXXX XXXX  XXXX the XXXX requested a title search from XXXX XXXX XXXX 
XXXX, XXXX, a second appraisal was due. 
There were extended delays in getting documents/information due to lack of communication. 
I received a call from the XXXX on XX/XX/XXXX, to notify me of the delay. Due to the pandemic, the title XXXX had not been successful in getting the payoff amount from the city. Once notified, I immediately contacted the right person ( XXXX )... the payoff information was emailed to the title company the same day. 
The second delay involved getting documents pertaining to my son since he was on title. Those XXXX 's were sent shortly after contact. I was told by XXXX that my file didn't become active until XXXX XXXX. 
A further delay occurred in XX/XX/XXXX when I received documents from XXXX XXXX XXXX XXXX regarding recording of liens that were paid, and XXXX that was not. I asked the XXXX the reason for the delays he responded, " your loan was not a priority because we had to jump through too many hoops. '' By now. I'm concerned I might not meet my legal obligation on XXXX XXXX. 
I spoke with XXXX managers about the delay and my concern. The loan XXXX 's XXXX did not assure me that the loan would close by XX/XX/XXXX. 
By XXXX, and XXXX months later with no guarantee to meet my deadline, I reached out to otheXXXX XXXX companies. I was guaranteed by the owner at XXXX XXXX XXXX, that he would put me at the top of the list and guarantee the loan by my deadline. 

A third appraisal is now due @ {$850.00} each, and scheduled for XX/XX/XXXX. 

I'm retired, my son felt I was getting a bad deal and took out a loan to meet my obligation. 
Now, I will not benefit from the very low interest rates, my basement upgrade and travel plans are cancelled and my son has a debt on my behalf.

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 2022-12-22
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

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 explanation
Consumer complaint received 2023-02-23
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I added the carryon bag fee for {$69.00} for my Frontier airline flight XXXX from XXXX Florida to XXXX Maine. The flight was to leave XXXX but was cancelled. I then had to rebook on another airline. Frontier never refunded my money so I filed a dispute with XXXX XXXX XXXX. At first the gave me the credit, but then readded the fee to my bill claiming that the airline said the charge was valid and are now recharging for the fee. The flight was cancelled so how is this valid. I have spoken to both the airline and the c/c company and no one will help 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.

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 2023-02-21
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a competed reaffirmation form XX/XX/XXXX. I was told I would receive confirmation of my filling within 7 business days. I am beginning a Master 's program on XX/XX/XXXX, which is why this form was needed so that my Financial Aid could be released. Here we are, XX/XX/XXXX, after 4 calls and 4 surgery people including a supervisor, I still have not received the form, which means I'll have to push my start date for school back. I have no books and am in no way ready to begin in 6 days due to this hold up. I was promised the form today and still haven't received it after speaking with 2 additional people. I need help with this issue. This is very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
In XXXX of XXXX, I submitted a dispute to Transunion against XXXX XXXX XXXX ' attempt to collect a debt not owed, of over {$16000.00}, on behalf of XXXX XXXX XXXX XXXX. To validate my claim, I uploaded a Writ of Re-Entry document, granted by XXXX XXXX, in XXXX of XXXX, granting access to the unit, ruling there was no prior rent due, nor prior debt owed to the community. Also included in the uploads were court documents showing XXXX XXXX XXXX ' cause of eviction, including a XXXX balance, on the rent balance owed line, submitted to the Court. 

CFPB file number XXXX, ( to include the same company in the same dispute ), upon completion of the investigation, was submitted to the FTC for enforcement , entering XXXXXXXX XXXX XXXXXXXX XXXX into the Consumer Sentinel Network . Because of this finding Transunion, ( nor any other credit bureau ), should not be allowed to uphold a debt that was fraudulently submitted against court orders and referred to the FTC for enforcement by the Consumer Finance Protection Bureau. 

XXXX XXXX XXXX attempted to present a court document regarding an eviction case they lost in XXXX of XXXX, citing rent owed, however in this case the Court too, ruled in my favor, as XXXX XXXX XXXX cashed the money orders presented via XXXX XXXX, and filed for eviction without cause. Because they lost the original case in XXXX, I was still a resident, illegally locked out of the unit in XXXX, with a XXXX granting my access to the unit in XXXX. Upon being escorted to the property via a XXXX XXXX XXXX, we discovered ( the deputy and I ) the unit had already been rented to new tenants, with my property disposed of. 

Between the Writ of Re-Entry dated XX/XX/XXXX by the Court, and the filing of this debt placed on my credit report, the same month after the Judge ruled, against Court orders, is upholding this community in retaliation, as the same community in the complaint acknowledged prior, no rent being owed as their Cause of Eviction in XXXX. 

My argument is because my family and I were locked out in XXXX, with no balance owed, XXXX XXXX XXXX should not be allowed to collect for a debt not owed nor disputed in the original argument that XXXX XXXX XXXX lost in court,

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