BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: MI
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, Equifax & XXXX are reporting my balance for a XXXX XXXX Visa incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX visa reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Problem with personal statement of dispute

Complaint:
I'M SUBMITTING A COMPLAINT REGUARDING MY XXXX XXXX ACCOUNT WITH A RECENT 150 DAYS LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS AND BECAUSE OF COVID 19 AND THE HEROES ACT, THIS SHOULD HAVE NOT BEEN REPORTED.

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 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 TransUnion are reporting my balance for a XXXX XXXX XXXX incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX XXXX reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed inquiries will be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX 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 2023-03-09
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2020-06-24
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX reported a debt of {$160.00} to XXXX. I called to inquire, and the receptionist stated she did not see anything in her records because I have not been there since XX/XX/2017. I called the collection agency, RA Rogers, and spoke with Ms. XXXX ( xXXXX ). She gave me account # XXXX, and asked me to call XXXX and get confirmation that the debt is not valid. When I called XXXX back, I spoke with XXXX. She said the debt was so old, it was no longer in the system. However, it appeared I owed a debt of {$160.00}, which was the balance after insurance paid. I paid the debt right away. On XX/XX/XXXX, XXXX XXXX emailed the receipts with full balance paid. I provided these receipts to RA Rogers and asked them to update the credit report. On XX/XX/XXXX, I filed a dispute with XXXX. Despite providing objective evidence, RA Rogers verified to XXXX  the balance ( {$160.00} ) is unpaid. As such, the derogatory information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Us bank closed my account on XXXX XX/XX/XXXX for unknown reasons they refuse to reveal the reasons to me. I was told I would receive my money by check in15 days it is XXXX XX/XX/XXXX and my money is still being held over XXXX in beginning and another XXXX deposited on XXXX XX/XX/XXXX by disability direct deposit bc account shows open. I am late in rent water gas electric cell phone internet storage not to mention Ive had no money this is all I have its causing a hardship. My Mac rent check bounced due to the block they submitted even though the money was in account. This has made me almost 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 2019-11-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For several years I have not been able to access my EQUIFAX credit report via free annual website. Identification questions ask me obscure information from old accounts that I do not recognize. I have had to send in written request to obtain report. I attempted to access my report via EQUIFAX website which was also unsuccessful. No problem with XXXX  or XXXX XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THE REFERENCE ACCOUNT ( XXXX XXXX ) ACCOUNT # XXXX THE VEHICLE WAS REPOSSESSED BY XXXX IN THE STATE OF ILLINOIS ON XX/XX/XXXX AND RESOLD ON AND THE XX/XX/XXXX. I WAS NEVER NOTIFIED OF A SALE OR BALANCE. 
UNDER THE LAWS OF15 USC 1681 & UCC 9.506 AND ILLINOIS STATUTES, A DEFICIENCY CAN NOT BE DETERMINED OR CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN, AND A ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERED TO. 
PLEASE PROVIDE COPIES OF LEGAL NOTICES AND PROOF OF THE COMMERCIALLY REASONABLE MANNER OF RESALE OF THE SUBJECT VEHICLE. 
IF NO SUCH PROOF IS PROVIDED WITHIN 14 DAYS FROM RECEIPT OF THIS NOTICE, THE ALLEGED CLAIM OF DEFICIENCY WILL BE CONSIDERED NULL AND VOID, AND ANY CONTINUED COLLECTION ACTIVITIES, OR CONTINUED REPORTING OF THIS INVALID CLA OF THE FDCPA AND FCRAIM ON MY CREDIT REPORT WILL BE CONSIDERED A VIOLATION. 
IN ADDITION IF YOU SEVERALLY FAIL TO COMPLY WITH THE ABOVE REQUEST, I RESERVE THE RIGHT TO SEEK DAMAGES AGAINST ALL PARTIES, UNDER ALL AVAILABLE STATE AND FEDERAL STATUTES.

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 2017-12-06
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX Selene Finance approved me to start the modification process by paying {$1000.00} per month. I made on time payments for the month ofXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Selene sent me a letter datedXX/XX/XXXX that my XX/XX/XXXX payment is being returned as the payment is less than the amount required to cure the default on your loan. So I called the Loan Resolution Department and they stated that I would need to pay 3 months of payments. It was not clearly communicated what would happen to my home. The Loan Resolution representative I spoke to on XX/XX/XXXX left me not knowing the outcome, but stated he would send out the modification paperwork to me. But as of today XX/XX/XXXX I have not received. Please look into this matter as soon as possible. I am a XXXX of 1 year ago and the added stress is not good for my health.. 

My second complaint is on my mortgage history datedXX/XX/XXXX there is a large ( which appears to be a second  mortgage ). have not refinanced my home at all. Please have Selene explain where this originated. 

Thank you for your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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:
I have update my address with XXXX, XXXX, TransUnion, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, XXXX and TransUnion will not report my current Address. I also have disputed negative unverified accounts with XXXX, XXXX  and TransUnion and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my 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 2023-01-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Approximately 2021 mid late summer I had a loan modification completed, which I asked to refinance so that my payment could be lowered they told me that wouldnt help because my interest rate was low and I wouldnt be able to get that rate again. Then XX/XX/2021 I had a change of jobs with my income lowering and again they stated that refinancing my home loan in attempts to lower my payment because at this point it was choosing which bill to not pay to be able to pay mortgage, because a I didnt qualify for forbearance. I work in XXXX XXXX and for the first time got XXXX  was out of work 2 weeks but beings it was a new job I didnt have enough PTO built up to cover my absence and was not able to return to work until cleared by employee health to return working. Up to that point I had been current on mortgage. But once hit that bump everything seemed to spiral down from there with unexpected financial drains such as having to replace tires on my car due to flats, totaling of a car, another car being taken, washer and dryer going out, plumbing issues that couldnt wait, having to pay child care when I asked what could be done they stated I could do a short sale but I would lose money, I was told I couldnt do a forbearance I wouldnt qualify and I couldnt do another modification because it was too close to the last modification ; mind you this was my place of residence. It led to filing bankruptcy to help get things caught back up, but when it didnt work as planned due my employment not carrying out a work order to re-filing and since so close automatic stay was lifted. The statement given for it to be lifted were false information stating taxes were not filed but they were, that I listed I payed an attorney more than I did but I never entered that information. When I called in attempts to get a reinstatement figure or amount owed they wouldnt give me this information. When I called the lose mitigation number I was transferred several times until finally someone that could speak to me when trying to figure out how they could help me to save my place of residence they stated the computer system wouldnt let them go forward and they had no clue why. I asked for more time in attempt to complete a short sale but the lender still to no avail has not postponed my foreclosure auction long enough for me to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: MI
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:
Opened XX/XX/2013 ( 6 yrs, 1 mos ) XXXX XXXX XXXX i was victim of fraud with this account on my equinox and experian report with the dates listed. it is very much a problem, thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: U.S. BANCORP
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received the wrong item from the seller and told the seller I would return it, but first they need to send the correct item along with a return label paid by the seller, and I never heard back from them

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 2019-11-04
Company: EQUIFAX, 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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020, I was moving and tried to change my XXXX XXXX internet to my new address. XXXX told me they served my new address, but when I plugged in the equipment and it didn't work, I called them and they admitted they do not serve my new address. I immediately cancelled my account and returned my equipment on XX/XX/XXXX. 

A few weeks later I got a notice that I had a bill due on the cancelled account. I called XXXX and they informed me the bill was an error and my account had XXXX balance. I confirmed this in their online portal ( using my existing account info ). They also told me to ignore any additional statements sent in the next few weeks. Then, on XX/XX/XXXX, I received a collections notice ( reference # XXXX ) from Sequium Asset Solutions for a {$49.00} XXXX  bill on an account number I had never seen before. 

I logged into XXXX and only my old account -- not this account -- showed up, and it told me I had {$0.00} balance. I called XXXX  and discovered that they had, without telling me, created a new account at the address they had never provided Internet access for and transferred a charge they had never informed me about to my new account. I made repeated attempts to log in to the new account to verify the balance but was unable to do so -- it kept showing {$0.00} balance on the old account. 

Finally, on XX/XX/XXXX, I was able to reach someone at XXXX  who allowed me to pay the balance on the new account over the phone. ( I still don't know if this charge was legit or where it came from, but at this point I just wanted to be done with the whole thing so I paid it. ) I am alarmed that they sent the bill to collections while I was actively trying to figure out whether it was legit, and that they transferred it to an account that they never told me about ( therefore making it impossible for me to pay ), and that they told me repeatedly that I had already paid my outstanding balance. I am concerned about the impact this could have on my credit score when it's all a result of really, really bad customer service on XXXX XXXX part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Credit Karma, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2022 I applied for a XXXX card because credit karma said I was approved and I sadly was denied. I would like to join the lawsuit because it is wrong and misleading. XXXXam an honest working mother trying to build my credit to buy a home and it took points and 2 to 3 years to have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: UT
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 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 fumish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I called since day one of buying the vehicle that the car has no license plates and the dealer said that Its ok to drive like this then I was suppose to receive the plates in the mail then the dealer did not give me any title to this car nor have I yet to get the car title or anything to register this vehicle now the vehicle has been repo and I went and got it back from the repo company and still did not get the paperwork to this car and also I have yet to be able to drive the car because since getting the vehicle back from the Reo Yard the vehicle is broke and want drive so now they want me to continue to pay for the vehicle which I am not able to drive since 2017 and now they are calling me 5-10 times a day and they are not doing anything but taking my money and thats all

Company response to consumer: Closed with explanation