BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
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 2021-10-21
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
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:
I hope you are doing well as I write this. I'm writing to alert you to a troubling issue about the reporting of late payments on my XXXX account with the first four  digits XXXX. I believe that my rights as a consumer, as protected under federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date outside of the billing statement. 

I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. Additionally, you failed to provide me with the correct notice required by 15 U.S.C. 1681s-2 ( 7 ) for the provision of written negative information to me as a consumer. In accordance with 15 U.S.C. 6802 ( b ), I was never given the chance to choose whether or not my information or account will be provided to outside parties ( all credit agencies ). I asked that you update this late payment that was XX/XX/XXXX that was opened on XX/XX/XXXX to an on-time payment. 
This late payment has been adverse to me as a consumer who always pays on time. I trust that you will handle this matter with the urgency and professionalism it deserves. Please provide a written response within 30 days of receiving this letter. I appreciate your quick attention to this issue and eagerly await your reply. I appreciate your prompt attention to this important issue. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Called XXXX, XXXX, Transunion multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute 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 non-monetary relief
Consumer complaint received 2023-09-15
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my XXXX XXXX under the Fair Credit Reporting Act. I am requesting a copy of my TransUnion XXXX report sent to me via mail.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-08-02
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result 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 2023-12-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out XXXX XXXX XXXX and faxing it to the credit bureaus ) that you report to. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Old information reappears or never goes away

Complaint:
Back in XXXX, XXXX XXXX of XXXX approved a XXXX. As it was NOT a loan, it was never paid back, and XXXX had never entered this on my credit. At the beginning of XXXX, 14 years after it had been given to me, XXXX put it as a past due loan on my credit reports. 
Even if this was a loan and not a XXXX as I contend, the statute of limitations has long run its course and can not be put on my report. 
I complained to one of the XXXX, XXXX XXXX, and he did nothing. ( XXXX fled the school after a negative NY XXXX article about him ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage loan was sold to lender Selene Finance back in XXXX. Selene claims that I am one month behind. This is not the case. I have been in chapter XXXX bankruptcy since XXXX of XXXX. Since XX/XX/XXXX I have not missed any payments. Bankruptcy trustee has also completed all the payments agreed upon and does not owe anything to Selene or past lender. 

XX/XX/XXXX My attorney emailed Selene Finance XX/XX/XXXX and attached all proof of payments for last 3 years. There is a ledger showing payments made, dates, confirmation numbers and amounts. Also attached was bank statements for every month starting XX/XX/XXXX showing the withdraws made by lender. 

XX/XX/XXXX I called and confirmed with agent XXXX that they received the email. She said it would take them up to 30 days to reconcile account. I asked if I could have contact information of the team or person reviewing my case and was told they do not take calls or emails from customers. She also said I would be receiving a letter from the team confirming my attorney 's email request. I never received anything and neither did my attorney. 

XX/XX/XXXX called spoke with another agent and she said they were still working on the issue. I asked about the letter that I was supposed to receive and she had no answers for me just confirmed my mailing address. 

XX/XX/XXXX called and spoke with another agent XXXX. He said they still haven't made any changes. He couldn't get any supervisor on the phone but submitted a request for a call back. He said I would get a call back 24-48 hours. He also emailed bankruptcy team with all the grievances that no one has responded to my inquiries that it has been almost a month and nothing. 

XX/XX/XXXX Called again and spoke with agent XXXX and he said he didn't see any requests to speak with a supervisor and that no one was available to speak with me. But that they are still reviewing my case and that its only been since last Friday. I let the agent know that it was incorrect that they had my case since XX/XX/XXXX. I told him that I have had zero response regarding my grievance for a month now and he told me there is nothing he could do. I asked who I could speak with he said I could leave a voicemail with a supervisor ( which I did ). I asked if I could speak with bankruptcy team and he said they do not take calls. 

Every time I called I was on the phone 1-2 hours getting the runaround. No one is calling me back. No correspondence of any kind. No end in sight. I gave them everything needed to fix their internal error and they still haven't. This is unacceptable. This has added great stress to my family. How can they miss-place a payment? They had a month to correct this. I have called and called and zero answers. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MD
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 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 explanation
Consumer complaint received 2023-07-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing in the hopes you can help me resolve an issue I have. I have an account with XXXX XXXX. This account was set on autopay in XX/XX/2023 unknown to me the autopay had a security issue which I was only made aware of in XX/XX/2023 at that time I got the account bought current and got the issue cleared up so no other issues would occur. Since this wasn't a matter of me just not paying only me not being aware of the issue at hand I am hoping you can assist me in getting my credit updated to not report any data beginning XXXX XXXX XX/XX/2023 or to show payments made on time due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Trans union illegally and negligently put a fraud alertb on my credit report without authorization. There is also am XXXX XXXX inquiry that was not authorized either.

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 2020-04-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am proactively sending this with attachment as Equifax has already ignored my first submission of the FTC report attached to this complaint. Over the last 2-3 years, Equifax has repeatedly violated the rights afforded me via the FCRA and FDCPA. Equifax has reinserted information on my report without notifying me with 5 days after reinsertion. They have done this a number of times. When I address it with them, they say that they don't do things that way there. When disputing a fraudulent account, I asked Equifax why they state 30 days for the fraud dispute when FCRA 605b clearly states 4 days. The response again was that they don't do that there. I asked if they followed the FCRA at all. The response was they just do it this way. I once called and was told by an Equifax employee that they have been instructed to remove nothing from the files of consumers and that all negative information will report for 7-10 years depending on the type of account it is. I asked even if it's inaccurate or fraudulent. The representative said yes. I asked him if he was aware that was in violation of federal law and he said that he didn't care because no one will do anything anyway. He was right. I immediately asked for a supervisor and he placed me on disconnect ( hung up on me ). I called back immediately to report this to a supervisor and the supervisor would not take his name or agent number to look unto it. I called this in to your office and nothing was done. So as much as I feel like I am wasting my time, at least I am leaving a trail for when the time comes that I can have my rights defended and justice done. So, again, this is in advance of Equifax refusing to remove inaccurate, untimely, unverifiable, and fraudulent activity from my report. It is being done deliberately in the face of the CFPB and other agencies because you have become a joke to the credit reporting agencies- just another acronym powerless to uphold consumer rights. The incident described above happened after the XX/XX/2020 passing of the data breach claim. You have lost the luster with which you were created. Shame on you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NY
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:
I submitted a letter to the Credit Bureaus to FIX these erroneous items. 
These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: General Motors Financial Company, 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:
A vehicle lease was opened fraudulently in my name, I contacted XXXX first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about XXXX and contacted Gm financial directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from Gm Financial stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted Gm financial being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.

Company response to consumer: Closed with explanation