BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX. My ssn. is XXXX I have used the last names of XXXX, XXXX and XXXX.. I have lived in XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX. I I have notified both TransUnion and XXXX in writing in XX/XX/XXXX and XX/XX/2015, that fraud was on my Credit report. I have never lived in XXXX. My identity was stolen last summer, and student loans and my social security number were compromised. Also, I have asked them to remove the information that is over eight years old. They have done neither.

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 2015-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX MUNICIPAL COURT ( XXXX ) Says i owe {$160.00} XXXX different times on my transunion report and i have not been in XXXX or had any XXXX or XXXX tickets but my id and ss card was stolen along with my car in XXXX of 2014 and i would like them to be removed from my credit report because i dont even know what they are for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This item is reporting on my Trans Union credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX I believe this item is a collection account for XXXX . I had a account with them back in the day to boost my credit history at the time. This account was paid in full and closet. The original account has been removed off my TransUnion report and now this collection item is reporting on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found the account active, about a week after it was opened, because I frequently check my credit report. I filed a case with XXXX, which was investigated for about a month ; and was denied any satisfaction. They claimed that the account was opened legitimately. At this time, I filed with the Consumer Finance Protection Bureau and placed the Fraud Alert on my account. 

I then filed a report with Transunion, because on XXXX, I was only allowed one 'dispute ' at a time. This was investigated for about a month ; and again, was found to be a " legitimate account ''. 

The account was eventually removed from my XXXX credit report ; but remains on my report from Transunion. Meanwhile, the charges on said account have gone from less than a hundred dollars - since my first dispute was filed with XXXX - to almost three hundred. 

As of today, I have also filed a claim at IdentityTheft.gov

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 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXXXXXX.According the law any Lien which has incorrect information must be deleted ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing the late reporting on my credit file since XX/XX/XXXX. I informed Transunion that the late reportings from XX/XX/XXXX - XX/XX/XXXX was inaccurate and they stated that they verified information with XXXX XXXX XXXX. I contacted XXXX via dispute letter and asked them for proof of late payments and they have not sent me anything to date. They just sent a letter that states credit report is accurate. I am asking for your assistance in rectifying this matter. Because these inaccurate late reportings is hurting my chance of a new home purchase with the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are inquiries on my credit that I need removed from my credit reports. I was led to believe that these inquiries would soft pull credit checks.

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 2022-10-20
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my home in the XXXX XXXX on XX/XX/2021. I continue to pay my mortgage and am in good standing. My mortgage company is Specialized Loan Servicing LLC ( SLS ). 

My mortgage company is impeding my ability to rebuild by failing to complete required paperwork by XXXX. XXXX is requesting confirmation that this company is my lien holder before releasing XXXX funding. I submitted the paperwork to the mortgage company and was told it would be processed in 2-3 business days. This was weeks ago and every time I contact the company, I am told that they have sent the paperwork to " management '' and it will signed within XXXX business days. The paperwork is short - acknowledgement and signature that they have a lien on my property. It has now been a month and every time I call, the paperwork has not been signed. XXXX will cancel my rebuild funding without this paperwork. 

Additionally, this mortgage company erroneously charged me for homeowner 's insurance after the fire when I had no home. They then reversed this error but failed to do a new escrow analysis and I continue to get charged for insurance each month, which I must pay in order to stay in good standing. Every time I call to update this charge, I am told no one can fix it. 

Finally, this company has a policy that they will not respond to emails. They will not provide a contact person. They will not provide a direct contact number. Every time I call, the average wait time to talk to someone is 20 minutes. I am then sent to customer service and told they do not have the authority to help me. I am then told that it is my responsibility to follow up on these requests ; however, I can never get a person who has the authority to sign the paperwork or update my escrow analysis. 

Typical conversations take over an hour of my time. This happens weekly. I work full-time and despite dedicating my time to contacting the company, still don't have these issues addressed and resolved. I am told there is no supervisor to transfer to and I am not allowed to contact management. The company refuses to provide any additional numbers or contact options.

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 2015-10-22
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently filed for Bankruptcy and my mortgage loan company, State Employees, Credit Union changed the locks to my residence and refuse to turn over the keys to my property. My bankruptcy attorney and I have contacted them several times ; however the have deliberately ignored my calls. Additionally, they took monies from my account ending in XXXX, for preservation and foreclosure fees, which is a direct violation of federal bankruptcy code. Pursuant to bankruptcy code all collection activities are granted a stay of protection. I am requested that the put the money back in to my account and turn over keys to the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed for a refund for my student loans I paid during the pandemic through Aidvantage on XX/XX/2022. At that time I was told the refund would take 4-6 weeks before I receive MY MONEY via direct deposit. I called in a few weeks ago and the representative told me my refund was approved on XX/XX/2022. When I asked why I hadnt seen my balance update at all he couldnt provide any answers all he basically said is the process is going to take longer than XXXX weeks. Fast forward, I just called in on XX/XX/2022 ( almost XXXX weeks in at this point ) and now am being told it is going to be 6-8 weeks from when it was approved to have the balance update on my account and then ANOTHER 6-8 weeks maybe longer before I actually get my money refunded. This is ridiculous that every time I call in I get a completely different story on what I should be expecting for a time frame to get MY MONEY back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is an amended version of complaint # XXXX. I made this complaint without my notes, and I incorrectly represented that XXXX told me that HAMP did not apply because Key Bank did not accept TARP. That is what my housing counselor told me months ago ( and when I found out that Key Bank did accept TARP, drinking deeply of the TARP chalice and for a long period of time, I thought a complaint was therefore appropriate. ). What XXXX said in our XX/XX/2016 teleconference was that HAMP did not apply because the loan was a HELOC ( Home Equity Line of Credit ). As it turns out, this was also a misrepresentation that could be highly injurious to the estate, as I will explain. I have discovered other facts that indicate that Key Bank injuriously misrepresented the applicability of HAMP, a violation of New York State GBL 349, 350, and might be deemed " unfair, '' based on the three-part test used as a standard of law, for 15 U.S.C. 45 ( a ). I spoke with " XXXX '' in Key Bank 's Collections Department on XX/XX/2016. After consulting with someone ( putting me on hold ), she returned to the phone to tell me that the reason Key Bank did not accept HAMP was 1 ) the loan, a first-lien home equity loan, was not " government-backed '' and 2 ) the loan is a HELOC. After some questioning and explanation from me ( The loan is not, for example, an FHA or SBA loan, which is " government-backed '' or guaranteed, but I asked her to clarify if she meant that HAMP did not apply because the loan was not government or XXXX or XXXX-owned or that the loan was non-conforming. Once I explained the distinction, she was more precise and said that the loan was not government-owned. I then spoke to the Help Team at the U.S. Treasury 's Make Home Affordable program that sponsors HAMP for clarification. After putting me on hold ( probably talking to the supervisor, XXXX ), they clarified that banks that accepted TARP funds are not required to participate in the Make Home Affordable program ( and Key Bank does not participate ) and that a first-lien home equity loan, with principal repayments, as this originally HELOC loan is now and was at the time of default does qualify for HAMP. 

What this means is that, although Key Bank is not required to offer HAMP, XXXX erroneous reason that because the loan was originally a HELOC, it did not qualify for HAMP, is wrong. Two and a half months have been lost to me in which we could have had a participating HAMP lender refinance the loan or Key Bank could have sold the loan to XXXX or XXXX, who have comparable programs. Since Key Bank has sent an acceleration letter, their intent is to foreclose, and because of its misrepresentation, the borrower may not have time to take advantage of HAMP, which expires on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2015-09-03
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TCF Bank charged my account an overdraft fee totaling {$180.00} dollars. How can they charge an overdraft fee for each small purchase around {$5.00}. Is it not more reasonable to charge an overdraft fee to your account at midnight if you account is overdraft rather than charging {$35.00} on every small transaction that happened in the day. 
While it is a good idea to keep track of your current balance, TCF does not have a customer friendly services online and on their app. For instance, their website is so confusing and asks for multiple secret questions everytime I try to log on. 

I have checking accounts with other banks and when I go overdraft in the day, they send a notification to my email, and regardless of how many transactions I charge to my card they do n't charge the overdraft fee of {$35.00} to my account if I make sure I deposit cash into my checking account before the daily deadline around XXXX. 

I have to say that TCF Bank representatives were totally eager and indifferent about charging their customer {$84.00} dollars for going overdraft by {$10.00}. I was dismayed by their customer service and how they treat their customers with contempt. I have since closed my checking account with TCF Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Mortgage included in bankruptcy. Been more than 10 years. Bankruptcy has come off, mortgage has not. Is still reporting open with XXXX late. Have tried repeatedly with both XXXX XXXX bank and Equifax to get this off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: John C. Heath, Attorney at Law, PLLC
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:
I called this company when I found out that they were they miss represented they said I gave him my credit card information and expected them to work on my credit at the point of my credit report and accessing my personal information that I found out that they're not a credit repair service it's actually ran by something already marketing I am bringing this until you guys and I'm going to reach out to the lawyer when I called the company and asked them to delete my information and delete any service that I have with them that refuse to do that and say that they could not do that I need to see what kind of stuff I need to take for to go from here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: DE
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-06-14
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpointcontinue to contact us and failing to provide evidence and proof of steps taken showing how they calculated the amounts. I have documentation from assessor office of XXXX XXXX XXXX. Concerning property XXXX XXXX XXXX XXXX Louisiana XXXX qualify for special assessment, we also have documentation from fema confirming flood insurance is n't a requirement so it 's a little disturbing as to way this company is reporting incorrect information and another thing roundpoint states roundpoint paid XXXX county incorrect. This company is out just to capitalize of my husband and I and to manipulate the system for its own gain we are feed up. We are requesting that CFPB take corrective action thi matter have gone on a lil too long and a resolution is demand.

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 2016-06-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank have stated that the account info is mine. On XXXX XXXX, I called all XXXX banks and all XXXX states that the investigations were ongoing so no information had been reported to Equifax as of XXXX XXXX, 2016. I called Equifax after getting off the phone with XXXX Bank and they claim the companies did verify the information and had no idea why they lied to me. When I asked for the verification they received, I was told that was not how the process worked and then was transferred to a supervisor who then asked me if a fradulent address appeared on my report and when I answered yes, I was told I need to talk to the fraud department. I thought I had talked to the fraud department the whole time. How are you allowed to hold people 's lives in your hands?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX. The Credit Bureaus including Equifax , XXXX, and XXXX are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of identity theft. Some one have obtained services using my name ... I am working to identity the effects of the identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.If you don remove this info, you leave no option than to sue the company because this frustrating.

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 2016-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX accounts with Equifax for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Equifax has not removed these XXXX accounts for XXXX, XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against Equifax and the XXXX creditors in court. I am trying to avoid that as I am XXXX.

Company response to consumer: Closed with explanation