BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2023, I paid my account in full with XXXX I noticed on XX/XX/XXXX it was still reflecting that I was past due and I owed them. I contacted the company on the XXXX the person I spoke to told me it took a couple weeks and it would be off of my credit. I had filed to disputes with the credit bureaus regarding this both of the disputes were denied by XXXX, I had even attached my statement from the bank where it showed I had paid it in full on XX/XX/XXXX. I thought I would wait and see if it would be off my report as the lady from XXXX told me on XXXX XXXX XX/XX/XXXX I checked my account with the credit bureau and I noticed they had added another {$2.00} onto my account saying I was behind. And I had not paid my account. I contacted XXXX they give me an email address as well as a case number telling me to email them in screenshots of my account where they were paid and where it was reported to the credit bureau. I sent that in. The same day after I spoke to them I had received another flag now they're reporting I'm over 90 days late. After 2 disputes phoning in several times as well as trying to log in and I was denied login on their website and on their app I don't know what else to do I hope this can get it resolved.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX  XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this 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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Dispute several attempts to get incorrect information removed and breach of data protection nothing was accomplished

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 2020-07-09
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I just came back to XXXX after XXXX yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX  {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in 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 2023-04-19
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The issue I would like to report is in regards to Hyundai Motor Finance ( HMF ) and title services. I am unable to process a title transfer because Hyundai Motor Finance is not responding to multiple document requests which is required to support an out of state transfer from the state of XXXX XXXX XXXX XXXX  XXXX is a titling state, meaning although there is a lien on the car, I have the title. Unfortunately, the lien holder information on the title is no longer accurate. In order for New Jersey to process the title transfer, XXXX XXXX  XXXX XXXX XXXX needs Hyundai Motor Finance to provide a letter on Hyundai 's letterhead indicating the corpcode and associated address for the state of XXXX XXXX I have made multiple requests for this information by phone and through Hyundai Motor Finance 's website since XX/XX/2022. Phone calls are horrific, customer service representatives do not understand the request, I often request to speak to a Supervisor. Supervisors, try to assure me they understand the request but I have not to date received the document needed to support the transfer. Below is a list of dates I have contacted HMF. I've started to make a document request every single day via their website starting XX/XX/2022. In my request, I do ask they call me or email if they do not understand the request. 

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 explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I made requests to have Transunion remove paid/closed old accounts - greater than 7 years old - from my credit file. 

Transunion did not remove the accounts. 

XXXX/XXXX  acct # XXXX XXXX/XXXX acct # 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 2018-11-28
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Given the increase in property values of my area I decided to initiate the PMI removal process with Loancare , LLC back in XX/XX/2018. Knowing the appraisal on file would not suffice I requested a new one and was told it would cost {$420.00}, unless my property was remote or an appraiser was not in my area. I asked to schedule the appraisal immediately as I knew I would be denied based off previous information. I had to wait until XX/XX/XXXX to get a " denial '' letter from the company before I could even pay for my appraisal, which I did on XXXX XXXX. I was told someone would contact me immediately, after numerous phone calls to the company I was given a deadline of XX/XX/XXXX. No call. The next deadline given to me was that Id be contacted by XX/XX/XXXX. On top of that, they more than doubled the appraisal cost to {$910.00}, saying that was the fee for Colorado. Why wasn't that ever disclosed to me? I have called the company over 20 times and spoke with several supervisors with no resolution.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with The Fair Credit Reporting Act : this, XXXX XXXX {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2018-10-12
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX   Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info XXXX bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

CBNA is an inquiry not authorized XXXX  XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!

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 2021-01-05
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with Amerisave since XX/XX/XXXX on a VA Refinance cash out. They sent me a closing disclosure at the end of XXXX indicating that I needed to review before they could close. No movement on the loan occurred I contacted them and asked to speak with a Manager. They tell me they are waiting for underwriting. I contact them again in XXXX because they did a credit check and told me I had to review another closing disclosure. When I asked about the status. They tell me there has been no movement on the loan and they are still waiting on an underwriter. It is now XX/XX/XXXX. I have paid for an appraisal and termite inspection all with no movement on the loan but they keep checking my credit and my score is reduced each time. This reduces my options with getting a loan from another lender because they keep checking my credit with a hard inquiry but no movement. Also part of there process I was required to change my insurance over to them but they havent even given me a loan. I feel they are very deceptive in there lending practice. I am asking for assistance from this office

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.

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 2023-10-20
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: Account information incorrect

Complaint:
In XX/XX/2023, I disputed old information that should have already been removed AND recently changed student loan information that also should be removed. The information did not change even though I provided documentation to show it should be changed.

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 2023-01-09
Company: W&A Intermediate Co., LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, WAKEFIELD & ASSOCIATES XXXX XXXX : {$860.00}, WAKEFIELD & ASSOCIATES XXXX Date Opened XX/XX/2020 Balance : {$860.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: W&A Intermediate Co., LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to this establishment, never even heard of them. When I XXXX them they have many other complaints in their reviews of people saying the exact same thing that this company reported a negative account to their credit report and they have never been to this place or heard of them. Ive disputed this multiple times and it is not yet removed from my credit report. I filed a complaint with XXXX also. Its not right that people can get away with fraudulently reporting to credit reports. Ive called this place multiple times and never get and answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: W&A Intermediate Co., LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got court papers to go to court in 2018 for Wakefield & Associates for a bill of XXXX. Court was thrown out because I had Medicaid which paid that bill. I've called Wakefield & Associates. I've also called XXXX XXXX where the bill was originally from, and they told me the account was closed. I reported that back to Wakefield and the said XXXX XXXX XXXX was originally over my info and I would have to contact them. I've contacted all 3 and they all said the account was closed. I'm not sure what I need to do next because they are all telling me to contact the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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:
Equifax and XXXX are reporting collections on the XXXX and XXXX  XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I never even qualified for these loans because I am a convicted felon. ( Please see the attached court document. ) These accounts are being reported on my credit report in error. This incorrect reporting is harming my credit score and these line items needs to be removed.

Company response to consumer: Closed with explanation