BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX loan balance should be {$0.00} and was updated on XX/XX/23. All other credit bureaus have updated there records besides Experian even after I submitted letter from XXXX stating I have {$0.00} balance. Experience still shows owing {$110000.00}.

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 non-monetary relief
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX XXXX Credit Card online acct. That provides a FICO Score and Summary through TransUnion. My Fico Score shows XXXX with description : " Lack Of Recent Installment Loan Information '' Their is " Insufficient Activity '' information about your " Installment Loans '' FYI : I do not have any Installment Loans.. 
In XX/XX/XXXX I had a personal loan but I paid this acct off and closed the acct in XX/XX/XXXX. It is Inactive. 
I would assume My Fico/TransUnion would have that documentation in there Data Files. Why would Lenders be interested in a closed/paid acct with no activityI have XXXX credit cards XXXX closed..XXXX openThank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Refinanced a loan that I currently had with The Money Source Inc. I was told after all was said and done that my mortgage would be {$21000.00} from a previous {$2400.00} after I asked several times about insurance and taxes in which XXXX assured me that they were looking at everything and that would be my total payment. When I received my new payment which was in fact {$2300.00} which saves me about a XXXX dollars but added XXXX to my mortgage. I immediately called and was told it was a mistake and I would be getting a new payment booklet with my correct amount. Never received a new payment amount so called again and was told by XXXX that there was an underestimate on my taxes and my insurance was never entered which made the difference in my payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
By the attached Claim XXXX, I paid the entire Proof of Claim student loan through a trustee of the US Bankruptcy Court for the XXXX District of Florida. The below NOTES are in the PAYEE NOTES of CLAIM XXXX of my subject case number. It is plain as day that XXXX XXXX sent to the trustee, XXXX XXXX XXXX XXXX, a notice on XX/XX/XXXX to transfer the student loan to the Florida Department of Education. Then on XX/XX/XXXX the Florida Office of Student Financial Assistance sent a notice to the Trustee, XXXX XXXX XXXX XXXX, to transfer the Claim XXXX Student Loan to XXXX. The following is a direct copy from my Chapter XXXX case : PAYEE NOTESXX/XX/XXXX COMPLETED NOTICE OF CHANGE OF ADDRESS. BRXX/XX/XXXX REVIEWED NTC OF TRANSFER WITH WAIVER FROM FLORIDA OFF OF STUDENT FINANCIAL ASST TO XXXX. UPDATED TO REFLECT..FWD TO BR TO REVIEW ... ASXX/XX/XXXX RCVD NTC OF TRANSFER FROM XXXX XXXX TO FLORIDA DEPT OF EDUCATION. UPDATED TO REFLECT ON XX/XX/XXXX. FWD TO BR TO XXXX original creditor, XXXX XXXX transferred XXXX XXXX loan to the Florida Dept of Education and 3 months later the student loan was transferred to XXXX. Upon discharge of my Chapter XXXX case, I received a letter from XXXX that I was in arrears on the student loan payment to a service provider XXXX. XXXX is not listed as a creditor on my Chapter XXXX case, but has acted as a debt collection agent for XXXX. My attorney advised me to look to see if there were any " Unclaimed Funds '' in an account with the US Bankruptcy Court for the XXXX District of Florida. There are in fact {$2600.00} in that account as shown in the XXXX attachment. On XX/XX/XXXX, XXXX filed an Application for Unclaimed Funds shown as the XXXX attachment. Additionally XXXX informed me by email letter, the XXXX attachment, that they were asking XXXX to return the loan and that I should dispute the erroneous claim by XXXX on my XXXX credit report bureaus XXXX, XXXX and XXXX. My contention is this, why am I being penalized on my XXXX credit reports for delinquent payments on a student loan that I fully paid through the XXXX XXXX plan through a trustee of the US Bankruptcy Court for the XXXX District of Florida? The issue is obviously not with me but between XXXX, XXXX and the US Bankruptcy court for those funds. Yet my credit scores are in the low XXXX because of this and I have a black mark on my credit reports. And why is XXXX listed on my credit reports when they are not the creditor? This is a clear violation of the Fair Credit Reporting Act and Fair Debt Collection Act. This is a total fiasco.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I worked for XXXX, XXXX, Fl XXXX through a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX in XXXX Ga XXXX says under the collection information that I owe the XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XXXX almost the same dates as I worked for them.

Company public response: Company 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: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a XXXX XXXX XXXX a creditor 's validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They were supposed to contact TransUnion Credit Reporting Agency in order to remove the debt from my credit report. Below are the documents I sent and the tracking 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 explanation
Consumer complaint received 2016-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have not applied for any credit, but XXXX did a hard pull XXXX/XXXX/16, reducing my credit score. I 've seen several complaints about XXXX, and was advised to start my dispute here.

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 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please see the attached documents. Trans Union has failed to show my signature on a chapter XXXX bankruptcy. I have sent XXXX good will letters to them and they have stated they have verified them. This is not correct. Under the FCRA 623 ( a ) ( 3 ) they have not investigated. I am asking that the chapter XXXX Bankruptcy 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 explanation
Consumer complaint received 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a XXXX XXXX XXXX credit card on my report that is mine. This account was paid and closed in 2013. There is a balance of {$18.00} showing on my report with a past due amount of {$17.00}. I have contacted XXXX XXXX XXXX and they have said that the account is closed and there is not an outstanding balance even thou I have showed them the report. I would like to resolve this balance but have no idea how I can when XXXX XXXX XXXX insists on the phone that there is n't a balance owed. The info reported by XXXX XXXX XXXX is showing me as past due and this is having a negative effect on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am co signer of an automobile account. The payment in question was XXXX 2015. It was paid online and due to insufficient funds in the primary owner 's account, the payment was returned. I learned of this from the primary owner about 30 days after the fact. I was Never contacted by ALLY -the lien holder that this account was past due, and unpaid. If you review my credit report, I pay my debts on time. This XXXX and only delinquency has caused my credit score to drop by XXXX points. I work very hard to maintain a good score and would have gladly made this payment on time if I had been notified by the lien holder. I did not receive a letter/ phone call/email from them stating this account was past due. I dispute this delinquent report because I was not informed of its delinquency. As the second account holder, I should have been notified. I would appreciate any help you can provide to get this matter reversed. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I discovered a past due balance on a XXXX credit card. I had no knowledge of any balance due. I have spoken to XXXX Bank and we do not agree on the situation. I paid my balance in full as far as I knew. I did not receive any notices of any kind from XXXX. After speaking to customer service there is no agreement to anything. They did not have a correct address and I never received an email. I would not have ignored a {$19.00} charge if I had been aware of it. I had paid the balance in full to my knowledge. NO XXXX listens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I sent an email with SPECIFIC questions to Nationstar Mortgage two ( 2 ) times. I never received an answer to my specific questions from Nationstar. I tried contacting Nationstar by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain answers to my specific questions.

I asked the following questions : 1 ) What day of the month can I pay off this mortgage so that I will not have to pay any additional interest? And, on that day, what is the principal payoff balance?

2 ) {$35.00} was paid for a property inspection. Who was the {$35.00} paid to? What company? I never received an invoice from you or whoever this company was. I never received a copy of the inspection report that I am paying for. Please send a copy of the invoice for the property inspection and a copy of the inspection.

3 ) It appears from a previous payoff estimate I received that the {$25.00} Other Fees Due charge is for an expedited delivery fee. If I do not want expedited delivery, do I have to pay the {$25.00} expedited delivery fee?

I would appreciate an EXPEDITED response with ANSWERS to my specific questions from Nationstar Mortgage. I prefer to be contacted by email at XXXX. The email response should answer my specific questions, and NOT simply ask me to contact Nationstar Mortgage by telephone. Do NOT contact me by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Here is the proof that I sent Transunion asking them for my original signed documents per the section 609 act and they refused I have asked them who did they talk to when they claim to have verified the account! Once again me as the consumer has the right to asked for those documents per the law.. it also states if the reporting agency can not verify the items it must be delete

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 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
agency is accepting false negative information to put in my credit file.

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 2015-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ive contacted this company several times for several years trying to obtain information on an account that they are reportung on my credit file XXXX times, i have constantly disputed this account without resolution, it simply is not my account, its fraud please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my numerous 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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2015-11-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/2015 I have disputed the following accounts XXXX XXXX, account # XXXX XXXX county probation account # XXXX XXXX account # XXXX in each instance I have requested an investigation all XXXX accounts are reporting incorrect information they refuse to insert the correct information this is the 20th time I have requested for the correct information be inserted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit report and I found out that I have an account on collection. On XXXX/XXXX/2015 I called XXXX at XXXX. They could not give me answer for this case. I did not have any knowledge of any account for {$200.00}. I believe is a fraud. Can you please remove this from my credit and investigate this case. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Identity was stolen. Some one opened a credit card account from a bank I do n't know of, on an address I 've never lived in, but in my name using my social.

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 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
According to XXXX XXXX, XXXX accounts have been put into collections. 
These accounts were opened as a result of an emergency hospital visit by my son. 
We happen to have the same name except he is " the XXXX '' and I am XXXX Our birth years are XXXX years apart, His address is the same as mine because he lives in our house. 
He is an adult and responsible for his own debts. 
The credit reporting company did not thoroughly investigate the debtor 's information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a duplicate account being reported from XXXX as still open with XXXX collections agency, when the XXXX account was settled and settlement was paid off. 
XXXX is reporting the following : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXX BalanceMay XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteWhen XXXX is reporting the closed status : Account # XXXX $ XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilitySettled - less than full balanceRemarksNoteXXXX XXXX has reported the account closing to XXXX bureaus. 
This is clearly an error that needs to be reviewed. I have only had XXXX account with XXXX, and to further show proof that there has be to an error, the amounts shown as being owed are exactly the same. 

Please help, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi, I 've been making {$100.00} payments since rolling over my XXXX XXXX to XXXX. I rolled over my account at 0 %. I received a call from XXXX, XXXX XXXX, to readjust a monthly fee from {$100.00} to {$220.00}. I told the representative I had to go over my finances. After hanging up, I made a {$50.00} payment. I checked my account on XXXX XXXX, XXXX transferred {$220.00} without my permission. They also falsely reported I had missed a payment ; which is fraudulent according to both of our record. This has adversely affected my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation