BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Inquiries : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage with TD bank, which I always paid on time. Then I received a statement from the bank that the complete amount of {$230000.00} was due. I did not receive a warning letter or anything, just the balance due statement. I immediately contacted TD Bank and was informed that the loan had matured and was due. They advised me that these type of loans are illegal but that they had previously purchased it from another bank. I immediately started the refinance process with the same bank. In the meantime TD Bank sent me threatening letters and charge me a {$12000.00} late fee. I contacted my loan officer and was told that they are two different departments, and that there was nothing they could do. How can that be? It is the same bank. The loan has now closed, but not until I paid a {$12000.00} late fee, and my credit was knocked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card from XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days 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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2019-12-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, Experian and XXXX. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to 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 2021-10-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2017-06-15
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. Multiple dispute letter has been sent and company failed to response and failed remove item from my credit file All document has submitted to the company.
FTC Report Number :  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 2023-07-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was struggling to make payments, but I was making them. One month all of a sudden I call to make payment over the phone and I was told they could not take payments, that I had to apply for a modification.

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 2018-06-06
Company: ALLY FINANCIAL INC.
State: AZ
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:
Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.

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 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My ex husband used my information to open this account in my name without my knowledge or permission. I've made attempts to satisfy the debt but have been unable to do so, until recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Ideal Collection Services, 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 is missing that should be on the report

Complaint:
Ideal collection Service has committed serious violations under the Fair Debt Collection Act and the Fair Reporting Act as well as willful non-compliance of XXXX XXXX reporting. On XX/XX/2021 sent certified letter to Ideal Collections to validate the Debt that was they were reporting only to XXXX on my Credit report, from the beginning this account is not in compliance with XXXX XXXX reporting. Ideal Collections is the Data Furnisher and they are reporting inaccurate, erroneous and missing information. I received a copy of a lease along with a letter stating that they had noted my account as disputed. ( See copies of credit report at the time I requested validation, copy of letter requesting validation and copy of letter stating account will be marked as disputed. ) On XX/XX/2021 I sent another certified letter to Ideal Collections informing them I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ( see copy of letter, copy of report showing account is not marked as disputed with XXXX. This account was added to XXXX and XXXX now all 3 bureaus is furnishing inaccurate, erroneous and missing information. My guess is it was added to XXXX and XXXX as some type of punishment. The important thing is there are willful and continuous violations being done by Ideal Collection Service. On XX/XX/2021 sent certified letter to Ideal Collections requesting Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. My request was ignored. ( See attached copy of certified letter sent, copy of Ideal Collections to the 3 bureaus for the month of XXXX reporting. Still a pattern of will non -compliance of XXXX  XXXX and all 3 bureaus not marked as disputed. ( Print out of my recent updated credit report and the account is still not marked with the consumer dispute. ) I am a XXXX veteran and the actions of the company has caused me a great deal of harm when it is viewed by a creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a " second notice '' fro m Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX / 17  for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter is  (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.

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 2017-06-14
Company: Worldwide Processing Group, LLC
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX called from FMR or Forward Movement Recovery and left a message about location and tracing. If I did n't call back they would call all references. I called back XXXX ext XXXX. XXXX  stated the loan was taken out XX/XX/XXXX and listed XXXX XXXX. My XXXX XXXX account was closed in XX/XX/XXXX-XX/XX/XXXX. I asked if he could send me the original contract which he said no. I then asked him to tell me what the expiration date on my driver license was since he said he had a copy. Once again was told no. So I contacted XXXX XXXX XXXX at XXXX. They stated their systems go back to XX/XX/XXXX and could n't locate me in their system. So I called back FMR and stated that the original debtor does n't have me in their system. He said that they broke the law by telling me that which is odd since that 's who I owe the money to supposedly and that he was just a mediator. They hung up on me and refused to give me any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a mail to Equifax stating according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

They have failed to answer me on time, and it has been 30 days. 

1. This account is not mine XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

2. This account is past the ten years mark/No late payment XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

3. This account was never late XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove immediately 4. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

5. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

6. This account is not mine XXXX # XXXX Date open : XX/XX/XXXX Please remove immediately 7. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

8. Victim of natural disaster/XXXX/In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: FL
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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 non-monetary relief
Consumer complaint received 2018-12-06
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
A ) '' On XX/XX/2018 I went to XXXX XXXX XXXX headquarters at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX of XXXX. I spent {$1500.00} when converted into USD from {$200000.00} JMD. I was unable to receive my purchases and requested a cancelation and/or refund in XX/XX/2018 from merchant as well as my credit payment issuers whom were the store manager of XXXX XXXX XXXX XXXX XXXX as advised along with XXXX XXXX. However, XXXX XXXX   XXXX has been denying all of my claims including category B listed below. Others were unmentioned here ''. Images are attached. 


B ) '' On XX/XX/2018 ; I went to the XXXX XXXX check in kiosk and front desk to obtain my boarding pass for that day. I had five suitcases and the airline staff refused to allow any carry-on or free checked bags. I was uncertain that this was the right policy. 
I was uncertain that this was the right policy for this " XXXX XXXX '' XXXX XXXX arrangement ticket # XXXX. Record Locator XXXX. However, they made no exceptions to my protests. '' " I proceeded to check all bags at the kiosk. I was charged {$610.00} dollars. '' " Upon weighing my bags on the weigh station ; I was again charged {$400.00} after that initial payment ''. 

" I have submitted a claim to the XXXX XXXX online Customer Support Center with copies of passport, travel/payment itinerary and boarding pass which I had prepaid in the amount of $ XXXX+XXXX prefer seating as well as {$25.00} telephone ticketing service on XX/XX/2018. Noted oncrdit summary in amouns of {$330.00}, {$12.00}, and {$25.00}. '' " I was overcharged for travel services by the XXXX XXXX Agents and Representative 's on day of travel and unreceived benefits during prepaid registration for my choice of ticketing and seating preference in business or first class. I was placed in a group 6 but was next to almost last for boarding. I did not get a first class or business type extra such as baggage fee rules ... XXXX $ {$25.00} for 1st bag  ;. {$35.00} for 2nd bag ; ... {$150.00} for 4th bag, ... ..etc. 

For instance ; Allowances were for >100 pounds ( 51/23kgs to 70/32kgs ) ; >200 pounds ( 62in=157cm ).

Company response to consumer: Closed with explanation