BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There has been an item placed on my credit report that has been improperly re-aged. I disputed this item with the CRA and they did not obtain documented validation from agency reporting said debt. The item in question was originally reported in XXXX and is now being reported with a open date of XXXX/XXXX/XXXX. CRA should have obtained documentation ( signed contract, payment history, etc ) to validate this debt but relied on verbal verification only. Item in question was reported by a XXXX, XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX for an XXXX XXXX XXXX XXXX account from XXXX. This originally appeared on all XXXX my credit reports in XXXX and was removed in late XXXX making this a improperly re-aged account.

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 2016-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Several credit accounts and the corresponding trade-lines are not being reflected in my TransUnion personal credit report. They are being reported to the other bureaus. The creditors have advised they are reporting to TransUnion yet they accounts are not present in my credit report. This is adversely affecting my credit rating as my Average Age of Accounts is greatly diminished. This is a factor the XXXX scoring model uses in establishing an individuals creditworthiness. I would greatly appreciate assistance in having the following missing accounts reinserted into my TransUnion credit report. 

XXXX / XXXX Acct No. XXXX .... 
XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$8800.00} High Bal : {$1700.00} XXXX XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$4400.00} High Bal : {$4200.00} XXXX XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX Acct No. XXXX XXXX XXXX XXXX XXXX Opened : XXXX Limit {$4000.00} High Bal : {$990.00} XXXX, XXXX XXXX Status : Open/Never Late Bal : {$0.00} XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : N/A High Bal : {$750.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late Bal : {$0.00} XXXX XXXX / XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit : {$11000.00} High Bal : {$3400.00} XXXX XXXX XXXX, XXXX XXXX Status : Closed/Never Late - Transferred XXXX XXXX Acct No. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Limit {$300.00} High Bal : {$91.00} XXXX, XXXX XXXX Status : Paid/Closed Never Late

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: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

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 2016-10-16
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a CPFB complaint previously ( XXXX ) regarding my mortgage with Ditech. Despite their intention in their response to this complaint to correct their errors of accounting for our timely payments, Ditech has continued to misapply our funds paid and continues to show a deficit in our payments of {$350.00}. See my attached letter sent to Ditech XXXX XXXX, 2016 both through their online portal and by mail. This amount is from their incorrect accounting of our supplemental payment of {$450.00} + {$90.00} late fee we made on XXXX XXXX, 2016. They credited our account {$90.00} but took the {$450.00} out of our account in an attempt to correct their errors and never reapplied it. {$450.00} - $ XXXX= {$350.00}, showing as a deficit in our account despite us having paid the full payment. Today XXXX XXXX, 2016 we received a certified letter stating that we are in default for {$350.00}. My intention is to pay this amount to stop any further inappropriate action on their part toward default or foreclosure while continuing to try to find one rational intelligent person at Ditech to remedy their errors and reapply correctly the {$350.00} Ditech has stolen from us. 
XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing with all XXXX credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( XXXX ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts that are reporting on my trans union report that are not mine XXXX XXXX infinity XXXX XXXX accounts are not mine have them removed from my 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 2016-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion received my certified request on XXXX XXXX, 2016. My formal written correspondence requested that Transunion provide physical verification of the original signed customer contract for the item XXXX Child Support Enforce as required by federal law according to the FCRA section 609 ( A ) ( 1 ) ( A ), Transunion is required to provide documentation of all accounts posted to my credit report upon request or the items need to be removed from my credit report immediately. On XXXX/XXXX/2016 Transunion provided an updated copy of my credit report saying the information has been updated, however the information has not changed. This item is not reporting accurately and needs to be removed immediately as this is causing credit to be denied. 
The tracking number is XXXX, if this matter is not resolved immediately I will have no other choice than to bring Transunion and XXXX XXXX to small claims court seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
Thank you, 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 2016-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax Information Services has been reporting negative inaccurate information in my credit file. I 've been disputing with this company for over 2 years to get this information removed and they refuse. 
The XXXX accounts have me listed as an authorized user which I never authorized anyone to add me to their account. I have been a victim of identity theft which I have sent them copies of XXXX police reports and nothing has been done. They stated that the company ( XXXX XXXX XXXX XXXX ) verified that it belongs to me which in the report clearly states AUTHORIZED USER so how am I being held responsible/liable for someone else 's debt. Under the Fair Credit Reporting Act, if the debt ca n't be verified within 30 days, then it must be removed. The letters they have sent to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. Now I will be suing Equifax as well as XXXX XXXX XXXX XXXX for causing me damages such as denial of credit and increased insurance premiums. I have provided more than sufficient evidence to get these false accounts removed. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and XXXX XXXX XXXX XXXX for violation of the Fair Credit Reporting Act and Defamation. 
This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX CU Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filled for bankruptcy in 2008. After negotiating with my creditors we were able to come to an agreement and I paid my creditors and requested the bankruptcy to be dismissed. After 7 years I requested to Equifax to remove the bankruptcy and they refused stating its there company policy to leave it on my credit report for 10 years. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. When I spoke to Equifax they stated there following the law of the FCRA with regard to the 10 year policy, I have read the FCRA section 1681c and I can not find anything in any of the sections or subsections regarding dismissed bankruptcy being reported for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2017-01-26
Company: KEYCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had an account with Key Bank for going on 3 years. I do not have overdraft coverage, do not have a substantial amount of savings, do not have anything in my bank account due to loss of work. 

Recently, a foray of payments have hit my bank account - XXXX or better. Obviously, I do not have overdraft coverage, and I have asked the companies who are taking automatic payments out to stop. I 've gone online and even deleted my bank account from each company 's site. 

I have an equal number of overdraft fees - XXXX. Each XXXX, {$37.00} each. As I do not have overdraft coverage and since I obviously can not afford almost {$2000.00} in overdraft fees, my local branch is calling me and asking me how to square this up - I can not believe I 'd be asked such a question since these were automatic actions not initiated by me. 

This is another case where Key Bank ( with customer service that has gone downhill since the First Niagara acquisition ) is simply capitalizing on another man 's misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX XXXX Ally bank is a blatant liar. The letter she submitted dated " XXXX XXXX, XXXX '' is a complete fabrication, it was created in the same time frame as her letter dated " XXXX XXXX, XXXX ''. I have attached the actual correspondence that I received from Ally dated " XXXX XXXX, XXXX. ' This document can easily be validated by the barcoding, XXXX XXXX left that off the " suddenly discovered '' letter she back dated. 
If you read the real letter from XXXX XXXX of last year, it 's obvious that no further communication is needed or expected. The XXXX letters she submitted as my " final resolution '' of my complaint are an amateurish cut and paste job.

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
Consumer complaint received 2015-06-27
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon calling what I though was my existing mortgage company XXXX on the XX/XX/2015,  I was informed that my account was transferred to SETERUS INC. on XX/XX/2015, but I never received a letter informing me of this change and therefore had sent to XXXX XXXX payments XX/XX/2015 in the amount of $XXXX XXXX check number XXXX and XX/XX/XXXX in the amount of XXXX (customer service representative could not locate a check number for XXXX payment) which XXXX says they forwarded to SETERUS INC. on those dates.

My complaint and deep concern is that I have NOT received any "welcome" letter from SETERUS Inc. giving me my new account number and any other information that I will need to communicate with this company and therefore have no way of sending in my next payment before it become late, which I am sure is a tactic used for collecting late fees.

This company has purposely decided to make it impossible to contact.  They have only XXXX published number, which they never answer, since I have been trying for over a week now.  Also, they do not respond to emails sent to them and I can not log into its website, because I do not have an account number, which is a required piece of information.  I do not know where to write them via U.S. snail mail and that would take a lot of time, being that I just discovered that my account was transferred and again, I have no account number to attach to a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have been a member since XX/XX/2016. I review my score daily. I have worked hard to bring my score up since XX/XX/XXXX. My score dropped XXXX points over night from XX/XX/2016-XX/XX/2016. I called Equifax to inquire today. After spending and hour and 10 minutes on the first phone call and hung up on, I called back by direction of their Specialty Dept. I requested to dispute as it was suggested by Specialty Dept. The girl XXXX said they ca n't do that. Disputes are n't filed on scores, they are only filed on companies reporting to the angency peryaining to my file. XXXX was the first person, then her supervisor XXXX, then to Specialty Dept and then to XXXX ( which did nothing but place me on hold and hang up ). No one could explain why the significant decrease. Specialty Dept reviewed my credit summary and said, " there is no logical reason for this change. '' Yet, it happened. XXXX and XXXX both thought it was due to the current dispute. That 's unacceptable as a dispute does not decrease your score XXXX points. XXXX said it was probably from the court/legal accounts. I also said that these are OLD and have not had an effect on my credit for year 's. My score has been over XXXX since XXXX. I called disputes and after validating my personal information, placed me on hold for the duration of the ten minute call and hung up. XXXX and XXXX both remained the same. My member alert came from XXXX about Equifax today. There was also a new address reported within 24 hours. I have not changed my address nor have I reported a new one. How do I get the answer 's to my question about my decrease ( significant ) in score. Should I file a fraud alert?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: JPMORGAN CHASE & CO.
State: KY
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
After closing my accounts with Chase Bank they sent me a credit balance refund check that Chase Bank would not cash because I did n't have an account with them. The XXXX XXXX branch located at XXXX XXXX XXXX, XXXX KY XXXX began this scam at the drive-thru window then I went inside and discussed it loudly with the bank manager who upheld the scam and refused to cash the check issued by Chase Bank. This is flat out fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I applied for public service loan forgiveness in 2015 and submitted the application twice and never heard from them, even when i called them. Now i have resubmitted again and was denied due to incomplete employer address. I called and corrected it and they said they would process it and i have n't heard back from them since that phone call a month ago. Now i am trying to recertify my ibr plan and have received XXXX emails stating they 've recieved my application on two different days, which does not inspire confidence in their process. My payment which i cant afford is now 2 weeks away. They need to be held accountable for the services they fail to provide to borrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed XXXX XXXX in Bankruptcy Court ( XXXX )XX/XX/XXXX, with a creditor 's meetingXX/XX/XXXX, which was not attended by XXXX XXXX XXXX or their representative. ( NOTE : Creditor 's meeting has been continued to XX/XX/XXXX ). I requested a loan modification in US Bankruptcy Court XX/XX/XXXX, and wrote a letter dated XX/XX/XXXX documenting my request as no one from XXXX XXXX appeared in court. The bank responded by providing a loss mitigation application to lower the 14 % interest rate, in their letter dated XX/XX/XXXX. I returned the application XX/XX/XXXX, via certified mail ( received XX/XX/XXXX @ XXXX in XXXX , TN ), and that same day the bank secured a Motion for Relief From Stay to be allowed to foreclose on my loan of 8 years. I believe that the bank, 21st Century Mortgage, has participated in Dual Tracking as the application for loss mitigation has not yet been reviewed, while simultaneously securing an  order to overturn the automatic stay in US Bankruptcy Court for the sole purpose to initiate and expedite foreclosure proceedings. I had also contacted the bank XX/XX/XXXX, seeking assistance in this matter. To date, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm writing in regards to a response received for a dispute filed with Experian. I have been disputing for several months now information on my credit report regarding XXXX creditors - XXXX, XXXX and XXXX. Experian has responded with only comments regarding XXXX ( XXXX ) of the XXXX creditors I have addressed. They have completely ignored the XXXX other creditors. With the XXXX creditor ( XXXX ) they did address, Experian failed to address what I was inquiring about. They simply stated the grantor has verified it 's accuracy and this was previously disputed. They did not address the specific question I asked about. I was not asking for verification or accuracy. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by Experian. Secondly, XXXX of the creditors ( XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by Experian. 
In summary, XXXX is incorrect, and was ignored by Experian. XXXX was ignored. XXXX was addressed but Experian did not address the specific reason I 'm disputing it. 
I have attached a copy of my letter sent to Experian as well as their response. Also included is my identity verification. 
Thank You, 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