BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 had a reposession of a vehicle in XXXX. The vehicle was sold at auction and I was left to pay the difference which was {$8100.00}. The difference was wrapped up in a chapter XXXX bankruptcy that was discharged in XXXX of XXXX ( See court documents XXXX  XXXX  of XXXX  ). 

On the " Transunion '' credit report it shows that the account in question ( XXXX XXXX ) is a " Repo '' NOT discharges with the bankruptcy. XXXX is showing the same account, However, It states that it was discharged in the bankruptcy which is correct. The incorrect reporting from " Transunion '' has caused issues getting a loan for a car and most recently a Mortgage Loan. 

I have disputed this XXXX  times over the last few months with " Transunion '' and everytime it comes back as verified with no changes. I have uploaded the Bankruptcy Court Documents to their website, verifying that XXXX XXXX ( the creditor ) was Discharged. I have personally contacted the creditor via phone and email to have them report again to Transunion ( See XXXX Transcripts XXXX seperate files ). The creditor has been working with me to resolve this matter but " Transunion '' will not report correctly. 

I have contacted Transunion via Phone and talked to several people regarding this matter and got no results. They acctually referred me to you and gave me your phone number. 

I was ok with Transunion updating the account and reporting correctly. But at this point I would just like to have the XXXX XXXX XXXX completely removed from 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 non-monetary relief
Consumer complaint received 2020-12-20
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter about a debt that isn't mine from a company named XXXX. 

XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX The letter stated I owe XXXX  {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : Velocity Investments Original Account : # XXXX XX/XX/XXXXAccount : # XXXX Original Creditor : XXXX XXXX South Dakota XXXX, XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt was incurred in XX/XX/2016, while I was XXXX. I am not the responsible party, since the State of North Carolina has a duty to provide medical care to XXXX. On the date of service, I was an XXXX  in the XXXX  of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accordingly, the Department  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX  of the XXXX, is the responsible party for these charges. Please contact Medical Claims Management at ( XXXX ) XXXX, ( XXXX ) XXXX ( fax ). should you have any questions. You may contact XXXX XXXX Acting Controller at the same numbers should you need a contact name. Plesae remove me as the financial responsibility for this debt from collections and from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: SC
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:
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. 
has violated my rights. Or a list of inquiries : 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 response to consumer: In progress
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian continuously grade my credit report low even though my history and account status is good. Recently after applying for a credit card, they reported my score 14 points lower than my actual score, and they have my score 30 to 50 points lower than the other two bureaus. I find it to be very bias and prejudice. This has been continuous for the past two years.

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 2020-12-19
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt off in XXXX and the person I spoke to when paying said that they would remove from credit report. They sent me a account resolution letter. Then reported on my credit that I still have an outstanding balance and owed the entire amount in XXXX. I filed a credit dispute and all they did was update it to show I still havent paid even though I have a letter from them stating I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATM Dispute Claim No. XXXX. For 30 days I have been disputing an ATM Transaction with BB & T ( my Bank ) at Location XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I sent my former wife, and I use the legal term to clarify however she is still part of my family, and I have known her for over 46 years, to make an ATM withdrawal for me on XX/XX/2020. She helps me with chores including banking matters on a weekly basis and I also have XXXX daughters with her who are XXXX and XXXX, so my former wife is someone I trust fully. The ATM froze and malfunctioned on that day. BB & T deducted the {$500.00} withdrawal as the ATM machine recorded it as a disbursement, however it did not disburse the cash. BB & T alleges they balanced the ATM days later and it was not over money. They also said their proof that the cash was disbursed is a photo of my former wife " Standing '' in front of the ATM without any image of any cash whatsoever in the photo. I have asked them to look at the complete surveillance video which will show that my former wife left the ATM empty handed and proceeded to contact a bank employee inside but she was referred to call an XXXX number. I made the Claim the same day and it has been denied 3 times. I have no idea where the cash went and that is for BB & T to investigate if it went through the front of the ATM that another customer got it or through the back due to an insider job. I have no idea and I am not pointing fingers but since they are stating the cash was disbursed and I know that is not the truth then I am urging a higher authority to really look into the matter because I am not at fault by this incident. BB & T needs to prove my rep. authorized by me received the cash by showing me the video of XX/XX/2020 and they have not done so but only a photo that shows " NOTHING, NO CASH ''. Confiscating my {$500.00} is a violation of the law by BB & T and they need to return my money. This has caused me sufficient problems and they need to correct this bad on their part. Their ATM 's malfunction throughout town, lack maintenance or are outdated, the scanners do not scan all checks because its capability is outdated. I urge the government entities to assist me in mediating this matter with BB & T because it is not my fault that the ATM did not disburse the money. 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 2023-05-05
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, XXXX 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 furnish an 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 2021-01-09
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: MOHELA
State: TX
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: Billing dispute for services

Complaint:
On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is Mohela on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life XXXX XXXX and have been since XXXX I had a XXXX a XXXX XXXX XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of XXXX. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through Mohela in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of XXXX please help me remove these items off of my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I wrote a letter to XXXX, Equifax, and XXXX  about a Major Issue on my credit report about a Bankruptcy. The account has incorrect, inaccurate, and inconsistent information reporting on all 3 bureaus. Which represents 4 major violations on my credit report with this account. 

I am having a problem with XXXX, Equifax, and XXXX. I filed a dispute and Their investigation has taken more than 30 Days and I have yet to receive a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: GA
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 accounts passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX  Balance : {$2400.00}.

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 2023-06-16
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
ON XXXX XXXX XXXX LOAN MART GAVE ME A LOAN OF {$2600.00} AT THE AGREED YEARLY INTEREST RATE OF ONE HUNDRED TWENTY EIGHT POINT NINETY TWO PERCENT ( 128.92 % ) AGAINST MY CAR XXXX XXXX AS A GUARANTY SO FAR I HAVE PAID {$20000.00} NOW STILL I HAVE AN OUTSTANDING BALANCE OF {$3000.00} I INDEED APPRECIATE LOAN MART 'S ASSISTANCE, WHEN I NEEDED THE MONEY, BUT AT THIS POINT, WHEN I AM PASSING THROUGH A VERY TOUGH FINANCIAL SITUATION, I RESPECTFULLY REQUEST MY DEBT TO BE SETTLED WITH A FINAL PAYMENT OF {$1.00} WAVING THE REST FROM THE PRINCIPAL. 
OVER THE PAST SIX YEARS, THE INITIAL FINANCED AMOUNT HAS ALREADY BEEN PAID MORE THAN SEVEN AND A HALF ( 7 1/2 ) TIMES. 
IF I WAS IN A BETTER FINANCIAL SITUATION, I WOULD NOT MIND CONTINUING PAYING MONTHLY PAYMENTS. BUT AT THE PRESENT TIME I CAN NOT, DUE TO VERY POOR BUSINESS RESULTS DURING THE PAST SEVERAL YEARS, THAT DRAINED ALL MY LIFE SAVINGS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX  XXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to XXXX XXXX XXXX, XXXX, XXXX, and Experian. XXXX removed both trade lines and XXXX and Experian just removed one. My complaint is directed towards XXXX XXXX XXXX due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting Experian and XXXX at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )

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 2023-08-10
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went into the main branch and spoke with XXXX XXXX to open a checking and savings account. 
I was able to open them, but he did not give me any information/documents about the account. When I tried to create my online profile, I was unable to because I didn't have my account number. 
Last week I went back to the main branch to ask about my accounts. I spoke with XXXX and XXXX XXXX ( service manager ). XXXX called and left a voicemail that they reopened the checking account. I was able to create an online profile and see that the savings account is still closed. 

On the day that I opened the account, I spoke with XXXX XXXX XXXX ( personal banking officer ) and XXXX XXXX XXXX ( Asst Service Supervisor III ). They both did not check to see if XXXX XXXX followed company procedure regarding opening a new account. 

I also asked for the manager, XXXX XXXX, who did not come to speak to me concerning my missing driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-18
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2019-02-02
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 status incorrect

Complaint:
Around XX/XX/XXXX, I submitted a dispute to Transunion in regards to an account in collection with XXXX XXXX in the amount of {$260.00} that was paid in full to the original creditor, XXXX XXXX, in XX/XX/XXXX. They verified to account as accurate with the collection agency due to a {$0.00} balance remaining. I disputed the account again around XX/XX/XXXX showing bank statement of proof of payment settled in full and yet was denied due to information being deemed as accurate and it still remains on my report. I have recieved a letter a few days later from the collection agency deeming that account is considered paid/closed with {$0.00} balance dated XX/XX/XXXX and it still remains on my report inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I been trying to get a foreberance on my mortgage payments since XXXX the soonest I lost my job due to Covid 19. I called several times, I emailed several times and always received a reply to just wait or fill form again. I am on bankrupcy chapter XXXX, still making payments to trustee. Once I lost my job in XXXX I couldnt send any more mortgage payments. I did continue to pay the XXXX monthly to the trustee. I been struggling to make ends meet the best I can. I like to keep my home, I just need help to resume my mortgage payments and to put what I owe at the end of my loan if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting Act, 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 furnish an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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