BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NY
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 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 explanation
Consumer complaint received 2023-06-19
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:
XXXX credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud on your account. I called XXXX ( XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX  XXXX and XXXX XXXX which has made almost XXXX hard and soft inquiries. XXXX with XXXX also has posted un requested inquiries. XXXX does not accept banks that are not national, XXXX sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. XXXX, XXXX, and Equifax all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Accounts more than 7 years and 180 years old continue to be listed on my credit reports. There are 2 accounts in collection status and 20 closed, charged of, or accounts that show a current balance that are older than 7 years and 180 days old. The dates on all these accounts continue to be updated by the original creditors so it will appear they are not old enough to be removed and are never dopped from my consumer reports.

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 2023-01-27
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX 2021..There was over XXXX $ removed from my chime checking account. By using a feature chime offers called pay friends. Chime also offers a feature where you can block your card from any transactions being able to go threw. I did have my card blocked at the time of the transactions I also declined one of the transactions when I received a text message but yet chime still allowed the money to be taken out of my account I have no idea who this person is and chime has declined my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
So my loan was sold to PHH Mortgage. I am trying desperately to pay it. I called the number and waited for 40+ minutes. Now I am told that my loan is not set up so I can not get to it nor pay it. I was routed to someone in XXXX - I'm sorry wasn't it the US government that said that consumer credit is part of National Security? Not happy with my information being shared half way around the world. Gentleman,  condescending as he could be, told me not to worry, that there would be no late fee for 60 days. I asked for that in writing sent to my email - no can do. He also stated that a letter was sent from PHH Mortgage  on XX/XX/XXXX - never received. Nor did XXXX XXXX send me a notification. So I have a loan number but no account - ha! Please fix the banking system so there is some common sense and not just hands reaching into pockets for cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Due to a previous Fraudulent account, an incorrect address is showing up on my credit report. 

The Address reporting incorrectly is : XXXX XXXX XXXX XXXX, WY. XXXX My CORRECT current address is : XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX My PREVIOUS address is : XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Please Remove the incorrect address from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Experian Information Solutions Inc.
State: VA
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 disputed this Account on this XXXX XXXX XXXX   XXXX for months.XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-01-27
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:
Dear agency please help me Im not responsible of those inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 complaint is against Transunion. On XX/XX/XXXX I received a phone call from XXXX XXXX questioning if I was attempting to open a credit card with them. I believe this was flagged by XXXX XXXX because I already have an existing account with them. I informed XXXX XXXX that was NOT me attempting to open an account and to close out the request as fraud. XXXX XXXX informed me they were going to contact the credit agencies to let them know what had occurred and that I should do the same. I contacted all three credit agencies. XXXX removed the fraudulent inquiry when I called. XXXX and Transunion requested that I send in a formal letter, with a copy of my photo ID, FTC report and a copy of my credit report. I sent in the requested information to both agencies as requested ; however, XXXX removed it with in a few business day but Transunion sent me a letter back stating the letter I sent them was not from me when in fact it was. I contacted Transunion to inform them the letter was in fact from me because that was what they requested I do and still they weren't willing to take off the fraudulent inquiry. I contact Transunion again after receiving their notice ; however, they stated they need to review the information " manually '', this is was told to me by XXXX of their supervisors named XXXX. I complied with their requests with sending in the required information and yet they still refuse to remove the fraudulent inquiry. This is my final attempt before filing a lawsuit against them for not complying to the regulations under the Fair credit Reporting Act.

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to raise a formal dispute regarding pervasive inaccuracies within my credit report maintained and reported by you the credit reporting agency. These inaccuracies pertain to two significant issues : identity theft and the improper reporting of unauthorized credit inquiries. I firmly believe that these issues necessitate a thorough examination to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I sent Fifth Third Bank , National Association via certified mail a " Notice of Dispute and Conditional Acceptance Upon Proof of Claim '', delivered XX/XX/2022 at XXXX. In my letter I stated, it has come to my attention that there may not have been a true qualified meeting of the minds, that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract. I agreed to continue making payments on the condition full disclosure is provided by : 1. Presenting the language used in the documents, 2. Presenting the dictionary used in the documents, 3. Presenting the system of grammar used in the documents, 4. Presenting a legend to comprehend the symbols used in the documents, 5. Presenting definitions of the words marked in red ink on the documents, attached as Exhibit A-C, 6. Presenting all records and the general ledger statement of the referenced account, presenting the full accounting of the alleged obligation, verified ( sworn true, correct and complete ) by the party who made the entries, 7. Presenting duplicate copies of all statements for the referenced account, 8. Presenting a duplicate copy of Notice of Debt for the referenced account, and 9. Presenting a competent clarification, per the attached Proof of Claim that I have any lawful obligation to repay this alleged debt for the referenced account. 

I instructed Fifth Third Bank , National Association to cease collection and reporting of the alleged debt while efforts are made to obtain Proof of Claim. I also instructed Fifth Third Bank , National Association to cease all communication with me or any third party after the verifiable receipt of said notice unless they were providing procedurally proper validation of the debt or a consultation fee would apply. Since XX/XX/2022, the recorded delivery of the notice, Fifth Third Bank , National Association has called, email, text, and sent detrimental information to major credit reporting agencies against my instruction, without my consent, and without providing proper validation. My experience with Fifth Third Bank , National Association has been abusive as I believe they entered into the contract without clean hand and have yet to prove their claim while destroying my livelihood and reputation. The constant harassment via phone call, email, and text, paired with the detrimental information on my consumer report provided by Fifth Third Bank , National Association without my consent or written instruction has caused injury to my person and household. The scheme of fraud Fifth Third Bank , National Association is using by threatening, intimidating, deceiving, and enticing to coerce natural living people to commit an act creating a legal disability where none exists is appalling and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Started a refinance with Geneva Financial on XX/XX/2015 with XXXX XXXX, received Good Faith Estimaterate of XXXX. Due to internal company policies, XXXX had to hand me off on XX/XX/2015 to another loan XXXX XXXX XXXX ( Branch Mgr/Senior Mtg Originator ). On XX/XX/2015 received another XXXX XXXX XXXX loan rate of 4.250. These were the last papers I signed. On XX/XX/2015 I received ANOTHER Good Faith Estimate loan rate of 4.625, within days of closing. To get this far I had to back date documents per XXXX 's instructions, and DO to the extremely lengthy time frame, I needed to get a XXXX home appraisal at a cost of {$450.00}. I did not close on the loan do to the high interest rate, and in checking the average loan rates as of today ( XXXX/XXXX/15 ) are 4.125 - 4.250.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: MO
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe were reported in error. 

XXXX XXXX XXXX : {$6900.00}

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 2022-04-25
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: Account information incorrect

Complaint:
XXXX is inaccurately showing that my account was 30 days past due. I made a payment within the 30 day window.

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 2019-11-19
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get my loan modified for close to a year. Freedom Mortgage has 2 layers of underwriters in place before the submitted docs make their way to the official underwriter who does the review for loss mitigation. I have submitted a full application on a few occasions to have been told that I have a complete file, then the file goes to another underwriter and they need additional information. I provide that, then they say it wasnt received. 
Every time I submit documentation it seems as if they are looking for something to reject their being a full package. 
Also, they keep scheduling my foreclose sale date 30 days out which doesnt give me enough time to get them a full package for them to review as per CFPB guidelines. 
Their process is not streamlined, I do not have a SPOC, and every time I call I get different information. I also have not been receiving mortgage statements, and I have asked for them on a number of occasions.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX 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 XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We purchased a XXXX XXXX XXXX minivan  for the purpose of transporting our XXXX adult daughter in XX/XX/XXXX. Due to a layoff and significant salary reduction that resulted, we filed XXXX XXXX bankruptcy in XXXX XXXX. As part of the repayment plan, the minivan  was paid off in XX/XX/XXXX via a monthly payment far above the initial monthly installment. We were told that we should receive the title at the close of the entire XXXX. XXXX plan in XXXX. My payroll deductions ended in XX/XX/XXXX and upon the Trustee 's audit late this summer, she concluded that all our claims were paid in full. I believe that her closure also included notice to all creditors allowing them to dispute the XXXX balances shown in her report. Approximately two weeks ago, my husband departed his doctor 's office to drive home to our daughter in the minivan and it had disappeared from the clinic parking lot. He called the XXXX Police Department and was told that the vehicle had been repossessed by the lender. We called our attorney who was speechless, who then called the Trustee. In short, the lender is claiming that we still owe interest on the loan, but at no time amended their Proof of Claim or made any effort to notify the court, our attorney or us. We do not have an adequate vehicle to transport our daughter to necessary appointments that will accommodate her wheelchair, nor do we have funds to satisfy any balance that this company contends that we owe. We have now received certified mail telling us that our minivan will be sold at auction after XX/XX/XXXX and that will seek any leftover balances from us. Please help us.

Company response to consumer: Closed with explanation