BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: Southwest Business Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I closed a refinance transaction with XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX disbursed my payoff with an effective date of XX/XX/2020 to SWBC Mortgage. 

The payoff was sent via XXXX and delivered on XX/XX/2020 at XXXX XXXX. and signed for by XXXX. at the payoff department in XXXX, NJ ( XXXX, NJ ). The payoff department did not deposit the check from XXXX XXXX XXXX, XXXX and stamped it received on XX/XX/2020. SWBC then returned my payoff check to XXXX XXXX XXXX, XXXX with a letter stating that my check was not received until XX/XX/2020 for the full payoff and also included an updated Payoff Statement good through XX/XX/2020 for an additional {$400.00}. Multiple phone calls have been made by XXXX XXXX XXXX, XXXX to the customer service department and associates state that they will escalate it to upper management. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, has been told by three different associates that a payoff department manager would return her call and she has yet to receive a phone call. She also faxed copies of the XXXX label and confirmation of signature receipt as directed by customer service. The faxed cleared to SWBC and no action has been taken. I have now wired a full payoff to SWBC and am disappointed and frustrated that I have had to pay an additional {$400.00} due to the error of the payoff department. This constitutes predatory lending behavior and I have been advised to contact CFPB for this purpose.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested that the bankruptcy be removed from my credit because the US BANKRUPTCY COURT does not report to the credit bureau. Both XXXX an Experian refused to remove the information stating the information is accurate. The information is not accurate because I resolved the debt myself an the bankruptcy was dismissed on top of the reporting issue.

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 2023-12-01
Company: EQUIFAX, INC.
State: TX
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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 show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
I have disputed an inaccurate account on my credit with Equifax 3 times and the are still reporting this account inaccurately XXXXXXXX XXXXr has violated consumer protection laws they have delete this account from my credit report in then reported again 15 U.S.C. 1681g - U.S. Code - Unannotated Title 15. Commerce and Trade 1681g. Disclosures to consumers Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that--

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IVE DISPUTE THE ACCOUNT # XXXX XXXX, AUTO LOAN. THAT WAS OPEN IN XXXX 2017. THE CAR WAS REPO BECAUSE THEY FAIL TO FIX THE OIL LEAK. SINCE THE CAR HAS BEEN REPO, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. XXXX REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. XXXX SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO XXXX REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.

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 2023-03-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

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 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
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:
There are two fraudulent inquires on my credit file that I asked t be removed due to them not being soothing that Ive applied for nor did I apply for them in the pass the two inquiries are XXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX XXXX XXXX Inquiry date XX/XX/XXXX 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 2022-12-13
Company: General Motors Financial Company, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted GM financial several times. I was never notified that this vehicle was in debt. I was the co-signer on this truck. Not the original owner. I never was notified by mail or phone that the truck was repossessed and that there was a vest on this. Until I seen it on my credit report. This debt is over XXXX years old. Its almost XXXX years old. It is still showing on my credit report. I would like to have it removed. The truck was sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are reporting as inaccurate and I dont own any accounts with these merchants and I request to have these unauthorized inquiries blocked and removed from my credit report 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 explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the following collections and its been affecting my credit scorw 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account was closed And I Wasnt aware of it until I went to put Some Money in 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 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
They are set up with affiliate XXXX XXXX. Misleading a consumer with very confused misleading marketing. And pulling credit bureau.

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 2022-12-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase closed my checking account and refused to refund the funds in it to me. They asked me to validate a few checks, but the way it was done was logically impossible. chase required the person who wrote the checks to bring their id with me to a chase branch to validate them. But these checks were from the sale of my XXXX XXXX We only have a transactional relationship, they are not my friends or family, so why would they agree to go to the branch with me? And I can confirm that none of these checks were disputed by the person who wrote them, so what is wrong with these checks?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Bread Financial 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 XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX  balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, and XXXX XXXX XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: MD
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 identified items on my consumer report that are a result of identity theft. Please see the attachments for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
XX/XX/2023 i sent letters is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 30 ) days of the completion of your re-investigation15 U.S. Code 1692e - False or misleading representations

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 2023-05-18
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing this complaint against [ ] because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on [ Dispute and letter dates from results portal or we can provide these ] with no results and with no response. They are engaging in plausible deniability of the following issues. 

account closed XX/XX/14 We bought a brand new XXXX XXXX with a loan from Ally Financial. Along with that we also purchase the GAP insurance incase anything were to happen. Unfortunately a year after purchasing the the car. My wife was at a light with our children in the car and a drunk driver came over the from the other side of traffic and ran into the truck head on and totaled the vehicle. We only had one car at the time and didnt have means to keep making payments before all the approval that the car was totaled and GAP kicked in to pay off the vehicle. During this time our account went past due and as you can see in the account it was paid off by GAP insurance because it was deemed totaled. Since then if you look up my history with Ally weve purchased and sold many vehicles using Ally. We currently have a longterm savings account with them. So our track recored with getting and paying off loans is there. This mark on our credit is a faulty example of what occurred and were asking for it to be removed or we will take a legal action.

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 2023-05-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is considering the company Lowe 's and Lowe 's Credit Card. Even though I paid everything in my balance, they made up a fake bill and when I refused to pay that, they charged me with a interest bill consisting of late fees. I will send you all of my billing statement copies. My last payment for Lowe 's is XX/XX/2022. The amount is {$38.00} and also they charged me a late fee {$29.00}. I called the Lowe 's and I made my payment on the phone and they refunded my late fee charge. My phone payment confirmation number is XXXX and my late fee refunding confirmation number is XXXX. After this phone call, next month they have made a fake bill of {$50.00} and after that every month they added {$2.00} interest charge and they keep asking me paying this fake bill. And I am complaining about Lowe 's Credit Card company about this matter. I will also send you all the billing statements they are sending me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief