BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed information concerning XXXX on my credit report to XXXX, Transunion and XXXX. I received an response from XXXX through this agency case # { XXXX } whom responded that this collection would be removed from my report. I want the XXXX credit bureaus to remove this information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Account # XXXX XXXX Bank Delaware was paid. Displaying incorrect balance on 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 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a claim of a balance owed to XXXX. That is disputed. The account was paid in full in 2012. Requests for an account statement under the Fair Credit Reporting Act have been ignored. There has been no evidence of the existence of the debt, the alleged balance of the account, supporting data related to the alleged account balance or documentation regarding this alleged debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: TX
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:
Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX Amounts. {$1000.00}, {$530.00}, {$2100.00}, {$900.00}

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 explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion has consistently allowed XXXX to report on XXXX mortgage accounts negatively since XX/XX/XXXX ( 9 years ). Transunion has also allowed them to modify the terms and dates for derogatory information being reported. This is in direct violation of the Fair Credit Reporting Act. Additionally, the accounts in question were deeded back to the bank and the bank WAIVED its right to purse any default judgment, but Transunion is still showing the accounts as being over XXXX days past due since XX/XX/XXXX with no updates to my credit profile since that time. XXXX reacquired the property on XX/XX/XXXX. I want the information deleted from my credit profile in accordance FCRA ( time limits for reporting ). The original XXXX date of delinquency for these accounts was in XX/XX/XXXX when I filed bankruptcy. From the day they were notified I filed bankruptcy, they reported that accounts as being in a bankruptcy for XXXX years. When my bankruptcy was XXXX, they have made all kind off erroneous changes in order to hinder my credit standing. All accounts that were included in the bankruptcy was removed, however ; Transunion has refused to remove and comply with the FCRA.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.

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 2016-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was a loan modification process with XXXX. I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. XXXX is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! XXXX is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from XXXX showing PAID IN FULL. Please help!! 
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 2021-09-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Starting XX/XX/XXXX, I began receiving emails from a company called Chime. Up to this point, I had never heard of this company before. I found out that it is an online mobile banking service. The emails sent to me were congratulating me on opening a new account with them ( which I NEVER did ). Today ( XX/XX/XXXX ) I received an email informing me that my " Chime Visa Debit Card '' has been sent to me. The address the card was being sent to was XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This is NOT my address. I have emailed the company several times and have not received a satisfactory response yet. Calling them directly is impossible because they are difficult to reach. I am upset that a 'technology based financial business ' would not have a better system for spotting fraud. I have not lost any money but I am very concerned about what that account is being used for especially when it is in my name. I have filed a report with the FTC and plan on filing a report with the local police. I have since placed fraud alerts with all the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed Wells Fargo Bank a request for them to provide me with documentation proving the unknown account they have open on my credit file is somehow belongs to me. They have sent no documentation verifying I signed up for this account. Wells Fargo cant provide a record of me signing a contract to open the 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 2017-03-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked XXXX around XXXX XXXX as I prefer to stay on top of my reports. And then again on XXXX XXXX to find that I have over XXXX hard inquiries. I was not notified or did I give my authorization for over XXXX of them. I only authorized XXXX. My signature is no where on these authorizations. I called and spoke to numerous representatives who just assume to hang up on you or tell you repeatedly that they can not help with hard inquires and they also tell them me that no one was affecting by their glitch. Even with proof in hand they absolutely refuse to connect you with a supervisor or anyone in an American offices to handlebars matter per your request after XXXX + calls I gave up. None of the reviewers remotely helpful or even knowledgeable some knew and would say more or less sucks to be you and some XXXX even quiet belligerent and knew if the issue but told you too bad

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 2018-03-17
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:
Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

XXXX said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TRANSUNION refuses to investigate without a recent letter from creditor.I have included attatched here XXXX bank 's letter of XX/XX/XXXX2016.I have also attached the most recent Transunion report ( not yet expired ) showing TRANSUNIONS erroneous reporting on XXXX Bank ACCOUNT XXXX. 
the payment history is incorrect, the letter shows the correct dofdXXXX, c/o which should be on the account reporting.Transunion must report an accurate dofd which they are not.ACCORDING TO FCRA LAW ATTATCHED TRANSUNION VIOLATES. 
THEY REFUSE TO INVESTIGATE, THEY MUST HAVE A DOFD, THE PAYMENT HISTORY IS MISLEADING, INCORRECT.THE AMOUNT OF LAST PAYMENT IS NOT XXXX BUT XXXX DOLLARS.

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 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I WAS BUILDING A HOME IN XXXX XXXX XXXX, LOCATED IN XXXX, IN. THE POA CHARGED US ERRONEOUS FINES, FORCED MEINTO BANKRUPTCY, TRIED TO SELL MY HOME AT A SHERIFF SALE, TOOK ME TO COURT AND BOUGHT MY HOME OUT FROM UNDER ME. 
THERE WAS AN AGREEMENT BETWEEN MY ATTORNEY AND THE ATTORNEYREPRESENTING HIDDEN XXXX XXXX THAT NOTHING WOULD BEREPORTED TO THE CREDIT BUREAU. THIS IS ON ALL XXXX CREDIT REPORTS. 
I HAVE DISPUTED THIS ENTRY WITH THE CREDIT BUREAUS BUT THE ITEMREMAINS. I HAVE ALSO FILED A COMPLAINT WITH THE INDIANA ATTORNEYGENERAL 'S OFFICE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: BSI Financial Holdings, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The customer service at BSI has refused to correct my account and instead continues to charge late payments. 

BSI took my payment REFUSED to apply it to a mortgage payment and instead left it in unapplied. BSI continued to charge late fee after late fee. I continued to pay more and more while the money sat in unapplied. When my complaint was filed they decided to make it a principle payment to cover the error again. I sent more money and a letter to the president of the bank to fix the problem and correct my account and bring it up to date in the beginning of XXXX. 

I DO NOT want a principle ONLY Payment I want my account brought UP TO DATE with NO LATE FEES. I have called, I have written and the bank is still stealing from my account late fees, and NOT allocating the principle only to the correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: MN
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:
Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.

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 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and XXXX with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called and requested items to be removed and was told they would n't remove them. The inquiries were removed and reinsterted without a notice within 5 days. Called customer service several times and they refused to transfer me to the special handling department in the US. I also can not obtain access to my transunion report because I was told by special handling that there was incorrect information and I was told to call transunion, which I did. I verified all my information, therefore nothing should be incorrect.

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 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED ** ( XXXX Inquiry XX/XX/XXXX ) XXXX Inquiry XX/XX/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 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i can not verfiy my identy on the question so i need to get that fixed

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 2021-09-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi-I made a {$1000.00} payment on my HSBC credit card XXXX XXXX & it has still not been applied to the acct as of ( XXXX ). Multiple attempts to resolve this with HSBC have not been successful. Funds were deducted from checking acct. on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU

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 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXXXX/XX/XXXX TUI ), XXXX XXXX, never late XXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX -TUI, XX/XX/XXXXXXXX, XX/XX/XXXX-TUI, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.

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