BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 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 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 2022-12-06
Company: EQUIFAX, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance XXXX {$19000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Upstart Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have made 8 payments of {$280.00} to a loan with a principal balance of {$9400.00}. Of these 8 payments only {$560.00} has been applied to the principal. My interest rate is 27 %. Nowhere in the promissory note does it state that they would be heavily front loading interest payments. I have paid a total of {$2200.00} and 75 % of this amount has gone to interest on an account where my interest rate is 27 %. I have never been late and have never missed a payment. I called the company and they could not explain this to me. I also asked for a call back from a manager and they never called me back. I have screen shots showing how much of each of my payments has been applied to both interest and principal. This is easily predator lending at best. My last payment on XX/XX/21, the full {$280.00} was applied to interest and they could not explain to me why! Nowhere in their promissory note does it state that interest would be front loaded in the beginning and then taper off. Im not even sure that is whats happening since I never received a proper explanation or call back from management. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly

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 2018-05-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK
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:
1. In XX/XX/XXXXmy then wife jointly financed aXX/XX/XXXX Toyota RAV 4 with TFS account number XXXX.

2. Her and I were divorced in XX/XX/XXXX. As ordered in the divorce decree she was awarded theXX/XX/XXXX RAV 4. The divorce decree states that she ( the Defendant ) shall assume, pay, defend, indemnify, and hold the Plaintiff ( me ) harmless from the following obligations : para 3. Toyota Financial Services Loan number ending in XXXX which is secured by the XX/XX/XXXXToyota RAV 4.

The additional orders section of our decree required both parties in the divorce to transfer titles for property divided by the decree to the party granted the interest. In the case of the RAV 4, my ex spouse, the defendant, failed to execute the transfer of the title and loan of the RAV 4 to her and to remove me from title and loan. This section also requires private parties to accept this decree as proof of transfer of the title and interest. In this case theXX/XX/XXXX RAV 4.

3. Sometime between XX/XX/XXXXandXX/XX/XXXX, she became delinquent on the loan and there is now a mark on my credit file that identifies me as being 30-59 days late on a payment for that loan in XX/XX/XXXX. My credit files from XXXX and XXXX  both have a red X on this loans payment history for XX/XX/XXXXand state : Worst payment status : 30-59 Days Late Times 30/60/90 days late : 1/0/0 Closed :XX/XX/XXXX 4. I am requesting that Toyota Financial Services remove the derogatory comment/mark from my credit files, and correct my file with all credit agencies based on the fact that she was in violation of a legal court order stated in the divorce decree to pay and hold me harmless from the financial obligation tied to the XX/XX/XXXX RAV 4. She failed to comply with that order resulting in me being harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, 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 XXXX XXXX # XXXX / XXXX XXXX U.S.C. 1681 section 602 A states I have a 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 permission, consent, or instructions. 

4. XXXX XXXX XXXX Acct # XXXX a. Company does not have a contract on file. The company denied my consumer right to receive a contract. 
b. I have attached documentation from the company denying me the right to receive the contract allegedly on file. 
c. The company failed to notate that the account was in dispute after I sent them a direct letter of the dispute via Certified Mail XXXX d. Violation of my consumer and privacy rights i. 15 US CODE 1681e ( b ) ii. 15 US CODE 1681a ( 2 ) ( A ) ( i ) iii. The Privacy Act of 1974 5 U.S.C. 552a e. Attached documentation has been provided to show that this company failed to provide a contract with my signature after requesting it. I have also attached the dispute letter that was sent to this company as well The letter sent to them was very clear and precise in what I was requesting and they intentionally and fraudulently failed to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
XXXX XX/XX/2022 I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX  Account number : XXXX High credit is lower than balance. Delete for inaccurate reporting. 

After you have finished my request, send me a copy of my credit report reflecting these changes 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 2021-06-02
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: Investigation took more than 30 days

Complaint:
This is frustrating because I know this would have a negative effect on my report as well as making it harder to deal with credit transactions not to mention it will take more time to do so. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). And obviously, I want it to be taken care of.

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 2021-09-24
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 information incorrect

Complaint:
XXXX XXXX is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments

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 2022-05-18
Company: Resurgent Capital Services L.P.
State: AZ
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:
Im accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX sent to collections {$680.00}, now XXXX XXXX XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 2022-12-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.

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 2023-06-05
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:
Transunion and XXXX XXXX has failed to verify the the debt owed to the collection Account # XXXX Under U.S.C Fair Debt Collection Practices Act 15 usc 1692 and Fair credit billing Act 1666 Tennessee XXXX XXXX XXXXXXXX XXXX & Transunion has failed to respond also failed to verify this account ATTACHMENTS

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 2016-09-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
When attempting to respond to Wells Fargo Mortgage 's invitation to apply for a XXXX loan refinance and contacting their phone representatives, we are steered immediately to a routine mortgage refinancing - " desktop underwriting ". The representatives express ignorance of the XXXX program ( XXXX ) and stated that there are " different types of XXXX plans. '' We just completed a XXXX refinancing with our XXXX Bank mortgage which was streamlined and had a very minimal fee charge. so we know of which we speak! 
It appears to us that the Wells Fargo Mortgage personnel are instructed to evade and avoid the government 's actual low cost XXXX program by only offering a conventional refinancing, including much more complex qualifying restrictions, while hiding behind the " XXXX '' name. 
To us, this fits the definition of a " scam, '' amd merits further investigation.

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 2018-07-19
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My employer submitted a background check to XXXX XXXX   XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, IN XXXX ). I received a copy of my results, which included a criminal file for a court case that would have taken place when I was XXXX years old in a county I have never held residence. On XX/XX/2018 I contacted First Advantage consumer disclosure center at XXXX to discuss the issue. They could not locate any information related to my name, ssn and stated that they could not help me. I have also attempted to search the criminal records for the county that is listed on the background check, but have not been  able to locate any criminal records based on the information provided on the background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-16
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 had over 60 inquiries that I had no knowledge of I didnt give anyone permission to run my credit. I also have addresses on my report that I never lived at. I have a police report that I uploaded. All three credit agencies I dont have any credit cards nor do I have any personal loans. I would like all these items removed

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