BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX credit card changed banks from XXXX to XXXX I never received notification of the change- I had always had the payments made AUTOMATICALLY by my bank- I did not realize that my automatic payments would no longer be paid ( since the bank had a different name ) I dont use that cc alot and rarely look at the bank payments since I rarely shop with it- I had no way of knowing that my payment was not made UNTIL I received a 30 days late notice- this caused my credit score to drop significantly ( LIKE XXXX POINTS ) The lateness on that one payment should not be held against me- if you look at my payments to the XXXX  card over the last 5 years they were all paid automatically except the first payment on the new card.

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 2016-07-23
Company: SIERRA PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : I am writing today to issue a complaint regarding the Sierra Pacific Mortgage Company , Inc. and its sub-servicer XXXX due to extreme mismanagement, miscommunication and misinformation on their part. For no discernable reason, my escrow account was recently analyzed and updated ( incorrectly ) and resulted in a more than {$300.00} increase in my monthly mortgage. Through a significant amount of legwork and initiating of communication on my part, I was able to get my escrow account reanalyzed and my monthly payment amount corrected for XXXX. Allegedly, a refund check was also issued ; however, I have yet to see it. This entire process has been arduous, confusing and extremely frustrating. To this day, I still have no answers as to why my escrow account was seemingly arbitrarily re-analyzed by the mortgage company. They refuse to answer my questions in that regard. The refund check that has been allegedly issued to me has also failed to arrive. 

This indiscriminate and sudden analysis that resulted in a significant increase in my mortgage payment is very concerning and at a minimum, indicates poor management. The issue has caused me a significant amount of financial hardship as I need to come up with an additional {$300.00} for this month 's mortgage payment. I have also spent an inordinate amount of time contacting the mortgage company to obtain updates, in addition to doing their legwork for them, as they seem incapable of initiating contact or doing their own research.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted a dispute for my XXXX XXXX card because it showing that have XXXX thirty day late payments. The 30 day late that is showing for XXXX is not correct as I submitted the payment on XXXX and that is not 30 days late. That payment was paid and came out of my account before XXXX which would have been 30 days. The late payments need to be removed for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan funded by XXXX was transferred from XXXX XXXX XXXX to Seterus, they lied to me once about a modification ruined my credit in the process, now they cheating me out of money for an Escrow account that I do not even have. They are dishonest. I am very afraid I have to watch them so closely, the problem is they are servicing loan for the government the same place I am filing a complaint. Now they are taking extra money in my monthly statement and can not explain to my why. This company has more complaints than any company on the planet but nothing is being done because they are working for the US government. First they took money for taxes but my taxes were paid Now they are taking money for HOA but my HOA dues are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX reported me dead.. While after 10 days they have corrected their mistake I can not get verification from them for another 10 days so I can not open a credit card, rent a car as I have no credit card they have me stopped at every turn. The worst part is no one at XXXX XXXX XXXX can or will do anything to help. I simply asked for a letter from them emailed or faxed to me saying they made a mistake so I can open a credit card account.. That will take 10 days to go through their system and Equifax has 30 to 60 days to correct their report. This is unacceptable since they made the mistake they should be able to correct it immediately. XXXX XXXX XXXX customer service is awful. Hope I survive long enough to see this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX submitted a report for delinquent payments on a vehicle that was order by the court in Texas to be a sole responsibility of my Ex Spouse. Which is damaging my credit and hindering me from being able to purchase a home through VA. Requesting what can I do to have these delinquencies removed and no more added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/XXXX it was reported that I had opened a new credit account, so the credit bureaus TransUnion and XXXX reduced my credit score by XXXX points. The account was actually opened in XXXX but I hadnt used it before because it is for emergencies. I first used the account at the beginning of XXXX. After I filed a dispute with TransUnion on the XXXX and XXXX they finally changed the info of the account to indicate that I have had it since XXXX and it has always been paid off. My credit score did not reflect the change though. There should be nothing else influencing this. My score is still XXXX points from where it was even though my credit report states there have been no changes from previous months. Either my score should return to its original number or I need an explanation for the decrease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Lockhart, Morris & Montgomery Inc.
State: IL
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 the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: TX
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 the 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 XXXXXXXX has violated my rights. 

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
Consumer complaint received 2021-11-23
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account is a duplicate reporting of debt reported by another collection agency. I want to inform you that the debt you are reporting is invalid as I already made a full payment on this amount.. My financial reputation is seriously damaged by keeping this on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account # XXXX for XXXX was official discharged on XXXX/XXXX/XXXX and Equifax continues to state that the creditor has reported to them that the account status as of XXXX XXXX, XXXX is 120+ days past due. When I contacted XXXX they indicated that they have not reported on that account since XXXX XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about 16 times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be 120+ days past due as of XXXX if I no longer owe on that account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: Account Discovery Systems, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Someone called my place of employment and a relative to whom no information was provided about something but did n't disclose what the reason was or anything. I do n't know why because I never received any type of notice from this company that a debt was placed with them or a right to dispute. I am also forwarding to this company a cease and desist notice as allowed under the FDCPA. I want all contact to stop except for a note with a right to dispute. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An car loan that supposedly was taken out on XXXX/XXXX/XXXX, was reported transferred to another office in XXXX/XXXX/XXXX. This was XXXX years after the loan was supposedly created. I have no record of this loan. I have had XXXX car loans in XXXX years. XXXX, after I XXXX from the XXXX XXXX in XXXX, for a XXXX XXXX XXXX and the other in XXXX for a XXXX XXXX truck. Each loan was paid in full with no late payments. Both vehicles were later sold with no lien holders to private buyers. I have no record of a car loan with the company saying I took out a car loan in XXXX. The first year the XXXX XXXX was offered was in XXXX as per research on the internet. Until I graduated from the XXXX XXXX on XXXX/XXXX/XXXX, I could not afford a car loan or any other loan. It is illegal for a company to carry a loan on its books for this amount of time. It also violates the time period a loan can be reported to a credit reporting agency per Federal law. I informed the credit reporting agency that as of this date XXXX years has transpired and they needed to remove this improper account from my credit report. They acknowledged that I have disputed this and still claim they have to wait to remove this based on what the creditor replies irregardless of what the laws are. The advent of long term car loans did not happen until the cost of vehicles made the standard three year car loans obsolete because people could n't afford the payments. This occurred many years after I purchased vehicles and also after this supposed car loan I have no record of in XXXX. I have requested on numerous times before that accounts that were over XXXX years or XXXX years that were being reported after the time periods had expired be removed and they were done without question. This account is over XXXX years old : this does n't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. Experian helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX 's report. However, after calling XXXX and Equaifax, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX, I defaulted on XXXX properties in Arizona. The mortgage on XXXX was held by XXXX XXXX. They foreclosed, sold the property at auction, and closed the loan. The loan shows as foreclosed and closed on my credit report, balance due XXXX. All good. 

The XXXX property, my primary residence, mortgage was initiated by XXXX XXXX and is now held by XXXX Bank. They foreclosed and sold the property at auction for {$330000.00} on XXXX. 

However, the loan still shows active on my credit report, for the entire original balance of {$510000.00}. The report shows a $ XXXX monthly payment due, XXXX years in arrears. Additionally, I still get collections calls and letters. It is my understanding that XXXX Bank has no legal right to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TRANSUNION continues to report XXXX XXXX Account # XXXX as an adverse account. Data received from TRANSUNION does not support account being an adverse account. Spoke with company and had been informed that they ( XXXX XXXX ) did not assign account to the adverse accounts list. TRANSUNION continues to insert " Bankruptcy Dismissed ''. on XXXX XXXX account. Investigation and per the Fair Credit Reporting Act ( FCRA ) Chapter XXXX Dismissed Bankruptcy is to be removed with seven years of filing. Chapter XXXX Dismissed Bankruptcy is to be removed from my credit files in 2016. I submitted several request to remove Chapter XXXX Bankruptcy sooner than 2016. TRANSUNION had removed last year. TRANSUNION investigation report revealed that " A non discharged, OPEN or dismissed chapter XXXX bankruptcy ( Public Record ) remains on the credit file for 10 years from the filing date. This is inaccurate. Research revealed that a Chapter XXXX Bankruptcy is to remain on file for ten ( 10 ) years. Reports from the other major credit reporting agencies stated that Dismissed Chapter XXXX Bankruptcy is to remain on files fro seven ( 7 ) years. During the initial phase of Chapter XXXX Bankruptcy, I was to have provided financial information and devise a repayment plan. I was to have completed/file the Chapter XXXX Bankruptcy forms and a plan procedure with the courts. According to the Bankruptcy Law checklist I was to have met with trustees at the courthouse to review paperwork and plans for repayment. Prior to this scheduled meeting with trustees and preparing to attend a confirmation hearing, I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy was not in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, including XXXX XXXX, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ). Any and all comments related to Chapter XXXX Bankruptcy should be removed from this XXXX XXXX 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 2021-11-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I reported my Macy American Express card lost and stolen and I requested a quick shipping of my credit card and it was received the next day and I called customer service to activate it and it was activated and XXXX unable to add it to my Macy app and it keeps giving me the error message and XXXX unable to add my Macy American Express card online and I was told I need to use my laptop which I tried but Im still getting the error we are unable add my card because its been transfer to new account number

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 2021-11-23
Company: Service Finance Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a follow up to complained XXXX and XXXX Service Financial is either purposely trying to steal from me or is being lied to from the contractor. 

There was NO additional work requested as Service Financial claims in their response. 

The contract was for half up front and half upon completion. The last half was to be finance by Service Finance when the project was completed. 

Service Finance mistakenly financed the loan at the beginning of the project. 

The project WAS NEVER COMPLETED. 

Please help. Service Finance knows they did a mistake and even admitted it during a recorded phone call. They gave the contractor the last half of the money and then the contractor failed to complete the project! 
Please do not just close this case. Ask Service Financial for the contract that was supplied by the contractor. Ask Service Financial for the proof that the project was signed off as completed by the consumer! Service Financial should have a document from its saying that the project was complete and to fund the loan.

PLEASE ASK SERVICE FINANCIAL FOR THIS PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Disputed a chapter XXXX bankruptcy multiple times with equifax. My public record on my credit report show XXXX chapter XXXX cases. My chapter XXXX case was transferred and reassigned a new case number. Sent equifax the legal form from the federal court building stating it was transferred and the previous case number no longer valid. I call the federal courts and they agreed it is correct. I should only have XXXX chapter XXXX case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I would like an address removed from my credit report. I have never lived at : XXXX, IL XXXX I have lived at XXXX since 1978

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