BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a dispute letter to TransUnion asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankruptcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So TransUnion lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, Transunion, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any 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 2016-08-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just noticed an address listed in my personal information that I do n't recognize. It is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I lived in XXXX California prior to 2005 but I never lived in XXXX. I checked the address through XXXX and noticed that it lists XXXX residents. This may indicate that it is a board and care home, a halfway home or some similar temporary multi-resident use. I reviewed the list of residents to see if I recognized any names, which I did n't - except for my own name listed as a previous resident. Since I never lived there, I am submitting this complaint to get this address removed from my credit report, and I will contact XXXX to have them correct their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a mortgage with XXXX XXXX XXXX. The loan servicing was transferred to XXXX in XX/XX/XXXX. I have since refinanced that loan with a new loan from quicken as of XXXX XXXX. XXXX is showing the account as an installment and delinquent and trans union is showing is as a delinquent open mortgage. This account should be closed and reflected as a closed mortgage. This inaccuracy is impacting my current score and causing me to get charged higher costs for things such as my car insurance and higher interest rates. Please make them fix it or remove it.

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 2022-02-01
Company: EQUIFAX, INC.
State: TX
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:
Ive sent all 3 beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I looked on my credit report after I called CREDENCE RM to dispute any knowledge of this alleged debt and it is was on on my credit report which is a violation of 15 u.s.c 1692e ( 8 ) the failure to communicate that a disputed debt is disputed I also have signed a contract with them which is also a violation of 15 u.s.c 1692e ( 8 ) the false representation the use of any business company, or organization name other than the true name of the debt collector 's business, company, or organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: Montgomery & Meyers P.A. Corporation
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Representatives, Specifically XXXX - Senior Vice President Director Commercial Recovery & Litigation The Offices of Montgomery & Meyers P.A. Corporation, have been harassing me regarding a debt. It began by them calling my XXXX father, they threatened him and tried to get him to pay a bill that clearly was not his. In addition, I have tried to resolve this but they have refused to provide any documentation that they represent the company they say they represent. I asked them to provide the original invoice, they refused. Throughout the process he has been abusive cussing and yelling. Lastly, while speaking with someone else from this office I agreed to pay the bill. When I called back to provide payment XXXX again being abusive refused to honor the arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2017, I discovered XXXX under account numbers # XXXX, # XXXX, and XXXX had been re-inserted into my credit file. The accounts were originally DELETED on XX/XX/2017. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

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 2017-03-31
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is on my report but it 's not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with Experian, XXXX, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any 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 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have had no access to transaction information for an authorized user 's Capital One credit card online on CapitalOne.com and on the Capital One app. We have contacted Capital One customer service at ( XXXX ) XXXX on multiple occasions and have been placed on hold for a cumulative time of approximately 8 hours. We have been given false promises, and we have been given conflicting information regarding how to upgrade an authorized to an account manager. Capital One has even insinuated that we are committing fraud, despite having a Capital One credit card account in good standing, and both credit card users having a XXXX score of approximately XXXX or higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They call me 4 to 5 times a day for 5 day straight

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 2017-04-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX in XXXX, MD. XXXX sometimes use CareCredit to finance their procedures. CareCredit is owned by Synchrony bank. Over a year ago, XXXX. Last month, this XXXX filed a fraud claim ( worth {$8100.00} ). I was asked by CareCredit/Synchrony bank to provide documentation proving that the XXXX. The following week, I received a fax from Synchrony bank stating that I did not provide enough information and that I would lose the {$8100.00}. XXXX I tried to call CareCredit and Synchrony bank multiple times to see what I could do in order to resolve the problem so that I would not lose the money. Unfortunately, we were placed on hold, hung up on, and transferred everytime we called. I spoke to XXXX in the CareCredit fraud department and she could not help me. I asked to speak with the manager. XXXX told me his name is XXXX and that she would give him a message to call me, but I never heard from him. Finally, I did reach a manager, XXXX, who basically stated that the decision has been made and there is nothing I can do about it. This is very disheartening since XXXX, I XXXX and I will end up losing a lot of money. I feel like the faud victim now. Please help me find a solution to this problem. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$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 non-monetary relief
Consumer complaint received 2015-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to open an account with XXXX and I was told that I already have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt with them for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been with XXXX XXXX XXXX since XX/XX/XXXX I know that is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have previously written to the credit agencies and to the collection agencies regarding XXXX collections that is showing up on all XXXX of my credit reports to no avail have I been able to obtain proof/verification that these belong to me. They were previously deleted and then reinserted, which I think is of fair for me. I would like to solve this issue without any further obligation. 

1. XXXX {$680.00} 2. XXXX {$330.00} 3. XXXX XXXX XXXX {$330.00}

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 2015-11-11
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On multiple occasions, emails and phone calls were placed re the modification review. No regard or courtesy acknowledgment was received regarding the status update. The medication review was denied. 
XX/XX/XXXX2015 : Faxed the Modification Package XXXX. Confirmation of receipt of XXXX pages was emailed XXXXXX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/XXXX2015 : Emailed XXXX requesting confirmation of receipt and status update of the modification review. No ResponseXX/XX/XXXX : Faxed the Modification Package to Selene Finance XXXX. Confirmation of receipt below : XX/XX/XXXX2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully Sent XX/XX/2015 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/2015 : Left voice message ( XXXX XXXX XXXX regarding the modification review. No follow up call returnedXX/XX/2015 : Left voice message XXXX requesting update on the modification review. No follow up call returned. 
XXXX/XXXX/2015 : Emailed XXXX XXXX requesting update on the modification review. No response returned. 
XXXX : Spoke XXXX, he stated he has n't heard from your client, he will follow up with them and get back to me. Sent a follow up email XXXXXX/XX/2015 : Sent email XXXX notifying them of the numerous calls and emails sent to their attention. Not one courtesy email or call was returned. 
XXXX/XXXX/2015 : Received modification denial letter advising case was closed out due to no or lack of documentsAt one point, during the modification review, your firm was under the impression that our client, XXXX was applying for a short sale! Please explain. 
XXXX/XXXX/2015 : Spoke XXXX- discussed the lack of communication and empathy during the course of the modification review. Per XXXX request, I emailed the denial letter for his review. Currently waiting for update ... 
XXXX/XXXX/2015 : Sent an email XXXX re the concerns of the denial letter. Requested status updateXX/XX/2015 : Faxed Appeal letter to XXXX. Emailed the appeal letter XXXX. 
XX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX Successfully SentXX/XX/2105 : XXXX confirmed receipt of the attached appeal letterXX/XX/2015 : XXXX XXXX emailed the same denial letter in question. No update on the modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Pinnacle Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called claiming to be an investigator from pinnacle and left a message, claimed that they spoke with my ex wife, and if I did n't call back by the end of the day I would be facing litigation. Very aggressive and threatening. Claimed they sent certified information to my address but I 've been living in the same address for 11 years and I 've got zero certified information from anyone close to that name.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-09
Company: HIGHLAND FINANCIAL SERVICES (Closed)
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I revived a call from HFS PreTrial Services Division. THey stated that a debt from XXXX XXXX in 2009 was needed to be collected. She then stated that not paying this debt would result them forwarding my case and having me arrested. I asked if I would be arrested by her, and she stated no, " but not paying this today would result me being held on a {$5000.00} cash bond and serving jail time. '' I then asked if I could call her back and she refused. She stated it has to be taken care of now, and saying that she implied she was denying me the right of validating my debt. She then went saying that her client felt that I committed check fraud, and by not paying back my debt was not helping me out. She still refused to allow me to contact her later. I spoke to her supervisor and the reviewed the tapes. The supervisor stated she did nothing wrong, because she said she would not take me to jail. I fell like as a consumer my rights were completely violated.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2022-02-01
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:
Fraud Department : Remove fraudulent accounts 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 2015-05-15
Company: SUNTRUST BANKS, INC.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage service was transferred to SunTrust Mortgage , Inc. from XXXX XXXX XXXX. The automatic payments were canceled as a result. The same day I received the notice of transfer, I signed up with SunTrust Morgage , Inc. for automatic payments. SunTrust Mortgage , Inc. will not process the automatic payment request, which is making the payment late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief