BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I disputed with TransUnion on XX/XX/XXXX. To this date, I have not received any response from TransUnion regarding the following account : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} The reported information suggests that this account was late, which is entirely inaccurate. I can provide substantial evidence to demonstrate that this account was consistently paid on time. Therefore, I kindly request TransUnion to correct this erroneous information on 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 2021-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was given a payoff amount with a date for the loan which was paid off on the date. 
However later they told me I owe more money, additional 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 2022-01-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Account information incorrect

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I received an email indicating I applied for credit at XXXX in morning. I looked at my credit report and noticed inquiries that I did not do. XXXX XXXX AND XXXX. I complained to TransUnion before and the inquiries were not removed. Now there is a new inquiries ( XXXX  ) on 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2021-12-22
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2021, the Moore Law Group threatened to sue on a debt that does not appear on my credit report. After 10 or more years, I have no records to suggest that the debt went unpaid. The amount the threatened to sue for us {$1900.00} and I retained a copy of the letter sent with their empty threat to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a XXXX  XXXX XXXX ( VIN # XXXX ) vehicle from Kia Finance. Lease ended on XXXX. We issued a check and bought the lease vehicle for {$17000.00}. We received the title and bill of sale in late XXXX. NJ the sales tax is 6.625 %. 

The Bill of Sale and Title does not reflect the sales tax paid by me. It indicates {$0.00} sales tax paid when in fact {$1000.00} sales tax was paid per their payment history documents. This amount is exactly 6.625 % of the purchase price. 

Purchase price = {$15000.00} Sales tax collected = {$1000.00} Other fees collected = {$320.00} Check Total = {$17000.00} I contacted Kia Finance on XXXX and reported the issue. I reviewed the issue and reviewed the numbers and they confirmed the amount collected for sales tax. They stated that the bill of sale will be updated to reflect the amount collected. They stated that the title can not be re-issued. They stated it would take 3 weeks for the document to be approved and mailed out. 

I called Kia Finance on XXXX since I had not received a corrected Bill of Sale or Title. The agents informed me the request was denied internally but no reason was given. I escalated to a manager at the call center since my car registration was expiring XXXX. He indicated that he has escalated the request and that I should receive the corrected documents by the end of the week. Documents will be emailed. No documents were received and my car registration has expired. The call center continuously drops my calls and I have not been able to resolve the matter and Kia has not reached out to me to provide an update. I need to register my vehicle and will need to rightfully reflect that sales tax has been collected by Kia Finance.

I will be including the following : Payment history- which documents the sales tax collected.

Check Image Kia Letters dated XXXX and XXXX Kia Title - indicates no sales tax collected on the tax stamp and on the back of the document Bill of Sale - indicates no sales tax collected Kia Paid in Full Document Kia Motors Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : 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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to 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 non-monetary relief
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is a new complaint concerning PayPal Credit but the same that was complained in the first. PayPal has special finance easy pay purchases for purchases over {$99.00}. 
This special finance gives you 6 months with no interest to pay off purchase. 
The other is 24 months easy pay purchase with 24 months pay at a fixed amount. 
Having both of these running concurrent being asked to pay the minimum purchase amount every month on the account. With this being done in good faith, sometimes making payments ahead through the months to meet or exceed the amount asked for on the minimum monthly payments. 
Over the time since starting a 2 year easy purchase with making other purchases on the 6 month no interest plan i noticed that PayPal Credit not keeping the balances of the account on that end, in fact i have made payments with some of the amount not being placed towards the account on any purchase, matter of fact i will state that part of the payments were hidden and when the questions aroused no answer that was given made any sense. What i was told was that they would get a team on it but it will be 2 billing cycles before it can be corrected. keep in mind that during this time the special finance purchases would be expiring in 2 weeks with no payment or a small amount placed toward this over the amount of payoff time agreed upon to allow the expiration of the allowed payoff time which will add the accumulated interest to the account balance. 
I have contacted them so many times over the terms of these special finance, i have stop counting because i run out of fingers. 
The last excuse that was given was that i had a purchase in XXXX that i did not payoff and that just because it is no longer being listed on the account doesn't mean it doesn't exist. 
And that causes me to believe that PayPal is taking some amount of the payments and not placed them towards balance of the account and even not placed them to the proper items to stay current on the account because i did. 
I advised them that i can no longer use their service until this has been corrected.

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 2023-02-24
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account listed on my account isn't mine. I have never been with the company they claim I owe. I have disputed this several times and I have gotten nowhere. 

This is the information I pulled from my reports. 

Company- AFNI , INC . 
Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two accounts that have multiple inaccuracies between all three credit reports. Reinvestigate the completeness of every piece of information and if the information is not correct or accurate, the account needs to be deleted from my credit report. 

Below are the inaccuracies across all three bureaus from each account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,

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 2022-01-03
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: Account status incorrect

Complaint:
A XXXX account via XXXX XXXX was charged-off in XXXX. XXXX states on my credit report that the account was sold to a third party following the charge-off. The company that XXXX lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that XXXX is reporting on my Experian credit report. 

XXXX XXXX and XXXX XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. Experian must remove the duplicate negative reporting.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2020-11-09
Company: CAINE & WEINER COMPANY, INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I received electronic notification that my mortgage servicer had made a disbursement from my escrow account for flood insurance. This wasn't in the timeline of previous escrow expenditures. What was disconcerting is the current policy is still in effect today, XX/XX/2021 and expires XX/XX/XXXX. The premium paid included a increase in the premium, which I had not yet received, reviewed or had the opportunity to make changes. On or around XX/XX/XXXX I asked the servicer help desk why the disbursement was made 60 days before expiration of the current policy which I had yet to receive. Rocket Mortgage did not respond immediately and I followed up with a phone call. The " explanation '' was to allow for mail delivery which I think is not acceptable because Rocket Mortgage made the disbursement the same day they received a electronic invoice. By engaging in what is an internal policy they denied me the expected and reasonable opportunity to review and make changes to the policy. Which is what happened post expenditure. The fact that these changes were made and completed PRIOR to XX/XX/XXXX belies the reason for making the early disbursement. XX/XX/2021 I received notice from Rocket Mortgage that they have made my homeowners insurance payment and again there is a premium increase that I need to review and make changes. The payment was again made the same day they received the electronic invoice. The policy expires XX/XX/2021. As a retiree I review any increase in all of my expenses as the common refrain from the organization is.. '' it's only $ amt ''... not understanding across the board increases add up and can and do have financial and economic impact. I was told in a XX/XX/XXXX phone conversation with Rocket Mortgage resolution agent the complaint would be escalated but I'm not confident this will stop the practice. I need to make changes but as of today I have not received my renewal mailed XX/XX/XXXX by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions 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:
There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX

Company response to consumer: In progress