BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate, verify and remove accounts from my credit file that do not 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 2021-08-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the same XXXX XXXX account with Equifax multiple times as this account has been closed for over 4 years and they are illegally reporting it as open. I filed a complaint with the CFPB in XX/XX/2021 ( XXXX ) again about this account as it had sat in dispute status for over 2 years with no resolution. Equifax stated they would request information from the furnishing company to resolve the dispute and the CFPB closed the case. It has been over 7 months now and this account is still being reported by Equifax as open and being disputed. Equifax continues to violate Section 313b of the FACT Act and by law are to delete this account or face financial fines and penalties for their failure to provide accurate and current information and to resolve this issue within 45 days. Both the XXXX  and the CFPB continue to let this company get by with merely stating they will check with their data supplier and are not holding this company accountable for their failure to follow the law. This can not be attributed to any COVID issues either as it has been in dispute for almost 3 years. The XXXX XXXX account needs to be deleted now or I am requesting this company be held liable for their violation to the full extent of the law and all accompanying fines and penalties for their willful neglect to follow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They do not care about people when they call in. They use foul language and really belittle you. Never received anything from these people just a slap on my credit report!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
1. Disputed Unauthorized accounts on my Transunion Consumer Report and requested Original Documents with my wet ink signature Verifying these accounts. 
2.No Response from The Consumer Reporting Agency regarding my Concern of Providing me Physical proof of claims. 
3. I received a completed dispute with a few items removed buy quite a few still remains. 
4.According to The FCRA Section 609 All Accounts most be Verified Physically with Copies of the Original in the consumers file and if requested to see Documents must be Provide and if the Accounts cant be Verified following the Federal Law they must be removed immediately.

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 2021-10-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a my last and final payment to Comenity Bank Wayfair on the the XXXX of XXXX. They did not process the payment until the XXXX of XXXX causing the account to accrue interest and fall in to collection. The payment was absolutely made on time prior to the due date. Wayfair held on to the payment so that interest could be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed XXXX fraudulent inquiries by XXXX ( XXXX Bank ) and Transunion has refused to remove. XXXX has sent me a letter indicating that they were requesting for Transunion to remove the fraudulent inquiries and they have yet to be removed. I am attaching the letter from XXXX to delete the fraudulent XXXX inquiries 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 non-monetary relief
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
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:
I went over my credit report and noticed a account and a few inquiries that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A letter was sent to Transunion on XXXX/XXXX/16 regarding XXXX accounts from XXXX XXXX reporting a balance of {$460.00} and {$480.00} on XXXX/XXXX/16. A letter was sent directly to the creditor regarding the validity of the account. The letter was returned as undeliverable yet Transunion continues to report this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: RI
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:
On XX/XX/XXXX at XXXX XXXX  est a payment in the amount of {$1000.00} was made to XXXX XXXX and I was hit with a 30 day late payment on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: DMI America Inc
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This XXXX and his entire family. MBN Mortgage Inc . 
XXXX - XXXX XXXX XXXX XXXX # XXXX This family is the realtor, the lender, the XXXX and the attorney they use. They are all doing predatory loans. 
They charged over {$9000.00} in mortgage origination fees. They charge transaction fees and when confronted move that money to the origination fees. The loan was VA for {$370000.00}. The interest rate was over 4 %. They told the buyer to backdate disclosures she was never given until day of closing because they didnt want her to see the disgusting ways they were quite literally robbing her. 
A XXXX vet with XXXX kids. It's absolutely disgusting. They refused to fix anything. I would suggest auditing EVERY SINGLE FILE they have ever closed because they are not afraid of being caught.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a problem in the way TransUnion is reporting my credit scores, which is causing me problems when trying to obtain credit. In comparing all XXXX of my credit reports, the credit history between all XXXX credit reporting agencies is consistent, but TransUnion is reporting my credit score very low. For example, both TransUnion and XXXX use the XXXX Score XXXX model, both agencies have pretty much identical credit history, yet XXXX has my credit score listed at XXXX and TransUnion has it listed as XXXX. This is causing me issues in obtaining a refinance of my house, higher interest rates etc. I fully understand that each credit reporting agency has it 's own method of generating credit scores, but there is something fundamentally wrong when the scores are this much off between the other XXXX agencies. I have attached a document showing the disparity between my TransUnion and XXXX credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified letter which was sent on XXXX XXXX XXXX and signed and received on XXXX XXXX XXXX I also sent a certified letter on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate. 
The following is a list of inaccurate, incomplete information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no payment history in XXXX, XXXX and 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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sirs/Madams : A " hard inquiry '' from a car dealer named XXXX XXXX has recently appeared on my record. I did not authorize this inquiry, I did not make any application to a XXXX XXXX for anything, and I do not intend to do any business with a XXXX XXXX. It is apparent that someone has hacked my personal information. Please have this hard inquiry deleted from my credit files. XXXX, XXXX/XXXX/2015 XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CITIBANK, N.A.
State: TN
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 have tried several times to login my credit report on XXXX  with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on 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 2021-08-07
Company: EQUIFAX, 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 have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet.

Original sent XX/XX/21 Sending second validation request XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion will not allow me to access my credit report online at all or they will not mail it to me after a recent investigation. I need my credit reports asap for my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX student loans are reporting monthly payments due of over XXXX dollars. This was fixed by Transunion about two months ago as they are not in repayment. However, this month the accounts report once again as if in repayment. Enclosed proof all these loans are deferred and do not have a payment amount due each month. The last time I had to complain to CFPB as TU refuses to 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 2016-02-02
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants Inc. is reporting to the credit bureaus that I owe for an unverified debt that I 'm not responsible for. This debt does not belong to me and has created stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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:
Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : 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 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not 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 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi KOHLS/CAPONE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently travelled abroad and was charged {$400.00} in bank fees by Bank of America for XXXX transactions for using my debit card for my checking account abroad. When I approached the bank after returning from my overseas trip, I was told that this 3 % transaction fee was listed in my account disclosures. I vividly recall the conversation I had when opening the account where the bank representative clearly stated the account would have no fees but failed to similarly clearly point out that however there would be a 3 % transaction fee for any international transactions on the debit card. I believe this is a deceptive practice, and not everyone is well versed enough to read all the fine print and disclosures to understand that these fees will occur. Had the representative made these transaction fees clear when I opened the account, I would have found an alternative method of paying for those transactions abroad. The bank refused to refund these fees on this basis, and I believe this is a deceptive practice and my fees should be returned.

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 2021-08-07
Company: Experian Information Solutions Inc.
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:
I noticed an account and a few inquiries on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am XXXX, so therefore I have not been contacted by this company, nor is it set up to answer a XXXX call. I was hung up on earlier when using my web based XXXX. Textbook discrimination. The credit report states that I owe XXXX {$290.00} dollars. This is not my debt. I do not owe this money. I only found out about this via XXXX and XXXX when checking my credit report. This is a classic case of fraud and debt scavenging. I have also reported this company to the XXXX and I have also sent it to my lawyer. There is no verification of this debt, nor have I had any contact with this company until seeing this blip on my credit report earlier this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Huntington National Bank processed a credit bureau inquiry relating to an application for a home equity line of credit without my authorization and signature. My husband submitted the application without consulting me and I received a notification from Huntington National Bank in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
It submitted a dispute letter to Equifax asking for verification of account. It has now been pass 30 days and Equifax hasn't neglected to abide by FCRA laws.

Company response to consumer: Closed with explanation