BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items reported on my credit report, it has been well over 30 days, and I have not received any investigation results/updates.

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 2022-10-17
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
on XX/XX/22 I filed a complaint with XXXX about a account XXXX XXXXXXXX XXXX XXXX # XXXX you're continuously reporting inaccurate information violating my rights.. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?. the phone number is disconnected and the address is incorrect. delete this account its not mine.. 

XXXX Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.

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 2021-03-09
Company: Experian Information Solutions Inc.
State: NJ
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:
I received a solicitation email from Experian to transfer my {$7900.00} balance to another credit card " see your matches. '' I became concerned because my credit card balances total approximately {$4300.00}. 

I attempted to contact Experian and the representative ( not residing in the USA ) asked for my name, social security number and date of birth. The Experian web site states at the top of the contact, " To protect the private nature of your personal information, please do not share any personally identifiable information via chat. This includes information such as name, SSN, address, or any other uniquely identifiable information. '' Therefore, my complaint involves two things. Non US citizens asking for my PII and two I can not verify whether or not someone has opened another card in my name without divulging PII to someone to get to the bottom of this! 

I signed up for credit monitoring with Experian some time ago.

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 2023-06-21
Company: EQUIFAX, 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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX Balance Owed : {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: American First Finance, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal put on hold on the money that i have on my account {$36.00} for 90 days. they permanently banned my account. not able to withdraw my money on my paypal account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
YAMAHA MOTOR FINANCE IS SAYING I AM DELIQUENT OR IN ARREARS ON MY ACCOUNT WITH REGARD TO INTEREST. MY LOAN IS CURRENT, I HAVE PAID ON TIME AND HAVE MADE SEVERAL PRINCIPLE PAYMENTS IN ADDITION TO MY NORMAL SCHEDULED PAYMENTS. HOW CAN I BE ARREARS IN INTEREST ON THIS LOAN? THE LAST 4 PAYMENTS I HAVE MADE HAVE ALL GONE TO INTEREST ONLY AND NOT PRINCIPLE AND INTEREST. WHAT KIND OF ACCOUINTING SYSTEM ARE THEY USING HERE? HOW CAN YOU HAVE A LOAN CURRENT AND BE DELIQUENT OR ARREARS IN INTEREST? THEY ARE NOT APPLYING MY PAYMENTS CORRECTLY. CAN SOMEONE PLEASE TELL ME WHEN THIS ACCOUNT BECAME DELIQUENT OR ARREARS IN INTEREST? WHEN DID THIS OCCUR? NO ONE AT THE CUSTOMER SERVICE LEVEL SEEMS TO HAVE AN ANSWER. CAN SOMEONE FROM UPPER MANAGEMENT PLEASE CONTACT ME REGARDING THIS ISSUE. I NEED A SR VP OF THE DEPARTMENT TO LOOK AT MY LOAN AND CALL ME BACK. SOMETHING IS NOT RIGHT HERE. LOAN NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Investigation took more than 30 days

Complaint:
I started a dispute onXXXX XXXX  regarding a collection account from XXXX XXXX XXXX, XXXX  days later no response from Experian. I followed up with a certified letter on XXXX XXXX, still no reponse, so I immediately contacted your office and was told they have 30 days to respond. Its been over 70 Days at this point!

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 2022-04-22
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Upon review of my recent Credit Repot from TransUnion, I noticed a negative item reported by XXXX XXXX. On XX/XX/2023, I sent a dispute letter to TransUnion to resolve this matter, and 30 days has passed with no investigation. TransUnion is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you TransUnion has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.

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 2023-05-10
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a 15-month CD at Pentagon Federal Credit Union that matured on XX/XX/2023. I called the credit union to make sure the CD had a grace period. I was told on XX/XX/XXXX and also on XX/XX/XXXX that I had a 10 day grace period on the CD. So, I thought no problem, since I would continue earning interest. On XX/XX/XXXX, I requested to transfer the funds to another bank. At that time I was told the CD would be backdated to XX/XX/2023. I was not previously informed of this step, but I just assumed I would get 4.65 % APY interest for the 8 days the funds were in a grace period. To wire funds to another bank, I had to put the money into a savings account at Pentagon Federal. I preferred the premium savings account ( 2.70 % APY ). I was told that you had to get special permission to open this account and it was Friday and I did not have enough time left in my grace period to complete the required procedures. My only option was to transfer funds into the regular savings account ( .005 % APY ) that I had opened for initial membership. Once the funds were transferred to my Pentagon regular savings account, I only saw an additional {$.00}, surely this was not correct. Afterwards, I asked for the paperwork to read their procedures for myself. To my surprise, my CD did not have a grace period. Why didnt anyone tell me this at the credit union ? I depended on the spoken word of several specialists, saying that I had a 10-day grace period. If I had known that I didnt, I would have transferred the money at maturity. They should have said I had no grace period or we will give you a 10-day grace period with no significant interest. They are keeping quite a bit of interest on the 8 days that they backdated my CD. Pentagon Credit Union is planning to pay me .005 % APY ( {$5.00} ) on thousands of dollars, not the interest rate where the funds actually were. Are they telling everyone who do not read the fine print that they have a grace period? Afterwards, you are left to their procedure of backdating CDs and giving you as little interest as possible. Is this process legal?

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 2023-01-30
Company: EQUIFAX, INC.
State: NC
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 reviewed my consumer report and noticed that Equifax unlawfully reported an unauthorized account ( XXXX XXXX XXXX XXXX # XXXX ) on my consumer report. I did not give written permission to Equifax to put anything on my credit profile. They had no permissible purpose by law to contact third parties with my private or personal information. I informed Equifax that their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Because they have knowingly transferred, possessed, or used, without lawful authority, a means of identifying me. I asked for them to update my consumer report and send me copy in which they never did. I waited well over 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

Equifax is not only holding me back from raising my credit score but reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. XXXX inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
IN RESPONCE TO THE LETTER RECEIVED FROM YOU DATED  XXXX   XXXX , 2017- YOU STATE THAT YOU HAVE PREVIOUSLY ADDRESSED THIS MATTER WHICH IS A LIE. I 'M INCLOSING THE EVIDENCE! WELLS FARGO IS REPORTING THIS ACCOUNT #  XXXX  TO  XXXX  WELLS FARGO IS REPORTING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT TO   XXXX    WELLS FARGO IS REPORING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT PAYMENT SCHEDULED SHOWS ALL PAYMENTS RECEIVED FOR EACH MONTH REPORTED LATE ... ... ..   I HEREBY DEMAND YOU TO DELETE THESE ERRONEAOUS LATES FROM THIS ACCOUNT FROM MY CREDIT REPROT FROM ALL CRAS, AS THIS ACCOUNT IS IN VOILATION OF FEDERAL STATUTES AND SHOULD NOT BE DAMAGING MY CREDIT IN THIS WAY!

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 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : 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 2022-07-06
Company: Experian Information Solutions Inc.
State: NC
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:
I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2019-03-06
Company: Avant Credit Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company is trying to get me to pay 2 late fees after I've told them this is in error as this account has been paid in full. They admitted that my payment was made on time and was never late in XXXX as they previously stated to me. Then the company sent me a bill for late fees in XXXX stating they didn't get paid. now in XXXX they are telling that another late fee is due because they never got paid in XXXX for purchases that I have never made and no balance was showing or due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter

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 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: Shellpoint Partners, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/2022, my wife and I submitted an official complaint to the XXXX XXXX XXXX, in relation to Shellpoint Mortgage XXXX ( based in South Carolina ) Shellpoint recently reported a late mortgage payment to the credit agencies, which resulted in a significant deterioration of our credit score. We kindly requested that the situation be reversed given the considerable hindrances presented by the Company to set up a recurring payment on Shellpoint 's website from the beginning, which eventually resulted in this late payment situation. ( Please see attached information ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CBC Companies, Inc.
State: AL
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:
On XX/XX/2023, XXXX XXXX XXXX, a representative of XXXX XXXX, located at XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, contacted me to be my daughter 's co-borrower on a home loan. XXXX XXXX stated I would need to sign some additional documents received via email to proceed with the loan ( and I never received any documents because the loan was brought to a halt for reasons beyond my knowledge ). XXXX XXXX also requested my social security number ( which I gave him in good faith ), and he was not supposed to run my credit report or proceed further until I received and signed the additional documents mentioned above, authorizing him to move forward with the loan. 

Due to this misunderstanding, my credit report was accessed prematurely, leaving me with an inquiry that never should have been requested of my report. My daughter did not use their company to purchase her home, and I believe accessing my credit report was negligent of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts on my credit reports that is a result of identity theft. I have disputed these fraudulent accounts with the credit buearus several times and they still wont resolve this issue

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