BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX XXXX are reporting late payments on my auto loan account XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. 
I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. 
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 2022-02-12
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On due date I paid {$40.00} toward my Lowe 's CC balance. The min pmt was {$29.00}, so I had to select " other amount '' and enter {$40.00}. 
Upon receiving the confirmation email, I realized the total due amount of {$620.00} was paid, not the {$40.00}. I called and was told by the representative that they could refund my pmt in 7 business days. I called in 7 days just to be told I would need to wait 2 more days. I was also told the pmt would not be electronically deposited back into my account, rather I would have to wait an additional, up to 13 days to receive a paper check in the mail. We shall see if I receive a check. Meanwhile, my checking acct balance is at {$28.00}, with other bills due.

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 monetary relief
Consumer complaint received 2018-01-27
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage servicer and requested to be reviewed for " FHA deletion '' since my home 's equity is now over 20 %. The representative I spoke to on or around XX/XX/XXXX said that he would submit a request ( work order ) for review & consideration. I called my mortgage servicer again a week later to find out the results. The representative said that my loan was not eligible for removal of the mortgage insurance due to investor requirements from XX/XX/XXXX prior to originating my mortgage in XX/XX/XXXX. I asked them to please send a written explanation about why my loan was not eligible. To this date ( XX/XX/XXXX ), I have not received a written explanation for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Subject : Disputed Item Verification Request - FCRA Law, 15 USC 1681i-5 I hope this message finds you well. I am writing in regard to a recently disputed item on my credit report that you have sent back as verified. 

XXXX XXXX XXXX Report Date : XX/XX/2023 I am seeking validation and further information regarding this item in accordance with my rights of privacy under the Fair Credit Reporting Act ( FCRA ) law, 15 USC 1681i-5. 

As you are aware, the FCRA grants consumers the right to request verification and validation of any information that appears on their credit reports. I exercise this right and kindly ask that you provide me with the following information regarding the disputed item : The complete and accurate name of the creditor reporting the item. 
The exact nature of the debt or account being reported. 
The dates of account opening and, if applicable, closure. 
Any documented evidence confirming that I am indeed responsible for the debt in question. 
A copy of any contracts or agreements I allegedly entered into with the creditor. 
Proof of your compliance with FCRA procedures during the investigation process of my dispute. 
I would like to remind you that, under the FCRA law, you are obligated to provide me with this information within 30 days of receiving my dispute. If you are unable to provide the requested validation within the stipulated timeframe, I expect that the disputed item will be promptly removed from my credit report. 

Please also be aware that I am closely monitoring my credit report and any further discrepancies or inaccuracies will be brought to your attention, as it is my right to have a fair and accurate representation of my credit history. 

I appreciate your prompt attention to this matter and request that all communication regarding this dispute be made in writing for documentation purposes. I expect your response within 30 days from the date of receipt of this letter, as per the FCRA guidelines. I appreciate your cooperation in resolving this matter.

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 2022-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 tested positive for XXXX on XX/XX/XXXX. I tried to pay my Kohl 's charge, while I was sick, but the system was down a couple of times I tried to pay it. And I couldn't get to the store when I was sick with XXXX. My payments due date is the XXXX of month. This payment was posted to my account on the XXXX. I am trying to buy a house. I was informed that days before closing, my lender dropped me. My score had dropped XXXX points. Because Kohls reported this as 30 days late. When it was not. Now I have to redo my loan, I was trying to do a USDA loan. I have to now do a FHA loan, because my score has dropped so far that I can't even do a conventional loan. I was at the point of getting a cleared to close date with my usda loan. So I already paid for the apprasial, which was about {$680.00} dollars, a well inspection of {$270.00}. Along with other fees, that I am working on getting documentation for. This in accurate reporting is costing me 100s if not 1000s of dollars for inaccrate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: TN
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:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: IN
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 recently reviewed my credit report and noticed that the account I had with XXXX XXXX Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX  XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation.

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!

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 2022-02-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2016 there was a draft from this line of credit. My online banking platform never showed a balance on the credit account, a bill was never sent, and I was never made aware of an outstanding balance. I was also never contacted by an agent, or a collection manager with an opportunity to pay the bill. Without my knowledge, this account was charged off and reported 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 explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX  Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: SC
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 asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a Revolving account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 XXXX on XX/XX/201XXXX XXXX Equifax XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NV
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:
Medical account that was initially disputed as paid with but ultimately written off by the original facility & sold to a collection agency that is reporting it on all 3 credit bureau accounts in the amount of {$130.00} by collections agency ; XXXX XXXX Collection Services XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have no contract with this agency regarding this debt {$130.00} medical ( which was previously paid ) & additionally it was disputed with the 3 credit that medical debit under {$500.00} should no longer be reported ( as of 2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Failure to perform a proper investigation. I provided factual info directly from the credit report. How can they a " verify '' inaccurate info as accurate? How can 3 bureau 's report 3 different pieces of info and yet state that its correct?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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: Their investigation did not fix an error on your report

Complaint:
Experian removed 1 of the XXXX XXXX  accounts, but the other account where the original creditor is XXXX XXXX is still reporting. Please refer to complaint XXXX since I have already tried to get this resolved. I do appreciate Experian conducting an investigation and removing the other account. Unfortunately, this account has the same account number as the other collection that was reporting which is inaccurate. Also, I have no liabilities with XXXX whatsoever. The balance being reported is incorrect. Please remove this account from my credit report immediately. I have attached the cfpb complaint for reference.

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 2022-02-12
Company: Consumer Portfolio Services, 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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX Balance {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I arrived at my residence letter from my bankruptcy lawyers indicating the action that the popular bank against me is taking in the bankruptcy court informing me that they want to charge {$150.00} for lawyer services for indicating changes in the mortgage payment. For my state of bankruptcy submitted and in defense my lawyers inform me the situation and I do not agree with this action of the bank because for all the years that I carry my mortgage nonca I was charged for such information for such reason I raise this complaint towards the banking entity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Community Health Investment Company, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I a hospital bill that was turned over to collection to XXXX XXXX XXXX XXXX XXXX I paid off my bill in full on XX/XX/XXXX. Because they failed to discontinue my automatic payments from my checking account, they withdrew another {$50.00} dollars from my account on XX/XX/XXXX. I called them this same date and told them what happened and they said they would reimburse my account. On XX/XX/XXXX, I still did not receive the reimbursement and called them again. This time they said they didn't show that they had taken the extra money and I needed to send them proof of payment. On XX/XX/XXXX, I faxed them proof of payment. Called on XX/XX/XXXX and they said they received the fax and would reimburse me and that it would take a couple of days. On XX/XX/XXXX I still had not received the money and called them again. They said it would take up to 10 days for the money to be reimbursed. Today is XX/XX/XXXX and I still have not been reimbursed. Every time I call these people they give me a different answer. I think they are just stonewalling me hoping that I will give up. I am on social security and {$50.00} is a lot of money to me. This seems like an unfair and illegal practice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CT
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 a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and XXXX  XXXX XXXX. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from 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 explanation
Consumer complaint received 2020-03-12
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.

Company response to consumer: Closed with explanation