BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-03-22
Company: William Lyon Mortgage LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on or about XX/XX/2019 we went under contract to purchase a home from XXXX XXXX XXXX in XXXX XXXX Nevada. As part of the purchase price they listed on an addendum we would be penalized XXXX if we DID NOT use William Lyon Mortgage to close the financing of the new purchase. 

We signed and funded our purchase loan on XX/XX/2019 with William Lyon Mortgage and promptly started to refinance away from the 6 % mortgage rate we closed at. Title order was re-opened on XX/XX/2019 and payoffs were requested. 

XXXX XXXX ( the wholesale mortgage lender ) and William Lyons Mortgage have refused to provide a payoff to title or myself. I called XXXX and was told William Lyon still holds the loan and must provide the pay off. I contacted a representative from William Lyon Mortgage asking for a payoff and was told first that " I must make a couple payments for a couple months '' before they would provide a payoff and then I was later told they " wouldnt and they couldnt '' provide a payoff. 

I have spoken to the Executive Assistant to the President of William Lyon, I have spoken to the Executive Assistant to XXXX XXXX the CEO of William Lyon. I have had numerous calls with the EVP of William Lyon Mortgage XXXX XXXX about recieving a payoff and he confirmed William Lyon still holds the loan on their wharehouse line. I have spoken to a risk manager with William Lyons also tryiong to obtain a loan. XXXX XXXX was also contacted but they have no record of my loan and stated William Lyon Mortgage must provide the payoff This is the last condition needed to secure my new loan at 3.875 % This is a no pre-pay loan and my loan documents clearly state there is no pre-pay and that I can pay off at any time without penalty. 

The XXXX penalty and the high daily rate they are forcing me to pay by not providing the payoff is creating additional expense in addition to the appraisal costs and title costs that will be incurred because of this.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NV
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are derogatory items showing that are passed the statute of limitations in NY and they refuse to remove or even verify the debt beyond a stamped " debt verified ''

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: EQUIFAX, 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 disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dispute on Partial Payments for XXXX and XXXX Mortgage : Servicer is currently reporting us delinquent for on our mortgage for XXXX and XX/XX/XXXX Both our bank account and the servicer are showing monies in constructive receipt for the months of XXXX, XXXX, XXXX and XXXX We believe this understanding was due to a coded unapplied payment posting on XX/XX/XXXX ( Circled on statement with N? ) and a strange recording on XX/XX/XXXX showing most of our payment going to principal balance of loan. We in no way communicated that we wanted our normal mortgage payment to be applied to the principal of the loan as is contractually spelled out in our mortgage. 
Further on XX/XX/XXXX at approximately XXXX XXXX  MST we called Servicer and spoke with an agent of the firm regarding this matter. The agents extension is XXXX. While on the phone with us, the agent of Freedom Mortgage acknowledged their mistake, took off as many late charges as they could based from their scope of practice ( service representative ), and promised they would fix the problem. On the call, they further instructed us not to pay any additional monies until the problem was fixed o This was done partially on the statements on XX/XX/XXXX but was once again registered as unapplied

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: Professional Debt Mediation, 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:
I do not have a oral agreement nor a contract with Prof Debt, this account is a charge off, the orginal creditor should no longer be reporting a balance on my credit report. Both the original creditor XXXX XXXX and debt collector Prof Debt are showing a balance and that is considered inaccurate reporting and a violation of my consumer rights. I have disputed this accounts multiple times with both XXXX and XXXX due to many inaccuracies and all they did was update the violations and claimed that this account was verified without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: FEARON FINANCIAL LLC
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am sick and tired of XXXX  XXXX running rough shod over existing laws for disclosures. They are steering people ( quite illegally ) to their product, instead of truly representing their client and making sure they have choices. There is no disclosure of rate, APR and other required terms in this advertisement and that's just the tip of the iceberg when it comes to what Keller is trying to do. I will not rest until this is addressed and addressed publicly with force!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTYER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2017-02-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2017, XXXX XXXX visited ToysRUs at XXXX Mass ( XXXX XXXX XXXX, XXXX, MA XXXX ), the clerk at the checkout counter coerced her into applying the XXXX credit card regardless of her unwillingness. She is a ID Theft victim and her credit files are frozen since last year. The clerk and manager pressured her to apply, stating ( incorrectly ) that it was an internal credit review without involving credit bureaus. 

As a result of this application ( which was immediately declined due to credit freeze ), Her husband had XXXX fraudulent applications with AE Outfitters and TJ Maxx with the same Synchrony Bank ( on XX/XX/2017 ). Both of us ( XXXX/XXXX ) were fraud and ID Theft Victims and ToysRUs disregarded our situation and still forced XXXX to apply that resulted in additional fraudulent offenses with Synchrony Bank. Even though no negative financial impacts occurred due to the credit freeze of XXXX/XXXX. This is the most frustrating and XXXX experiences for both of us. 

We demand an apology from ToysRUs as well as financial compensation for our emotional loss and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: VW Credit
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
VW Credit is reporting a delinquent account when in fact the account was in dispute. Because VW was unable to successfully repair the brakes after more than 4 attempts, I was directed by their dealer to turn in the vehicle and terminate the lease early. Months later, VW Credit began billing me for early termination without warning. I provided them documentation in writing that I was disputing the charges in their entirety. In the period where these charges were being disputed, VW Credit is wrongfully reporting me as delinquent in payments. Now that the account has been settled, they will not cooperate and advise XXXX or other credit reporting agencies to amend the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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: Information belongs to someone else

Complaint:
I've contacted TransUnion several times about providing proof that this debt is mine as required by the FCRA. They continue to fail to do so.

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: MI
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 received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.

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 2023-06-23
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: Account status incorrect

Complaint:
I consented to a consumer background check for my employer. I was denied based on the inaccuracy of my credit report. As I understand that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system and that it is your grave grave responsibilities to ensure fairness, impartiality, and a respect for the consumers right to privacy. After careful review of my credit report, I am asking for your company to look into these inaccuracies and removed if not verified. The statutory limit has been reached and they too shall be removed. As well as late payments that are being reported incorrectly as I have never been late on my accounts. 

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 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: PA
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 2019-09-08
Company: EQUIFAX, INC.
State: GA
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 just received a message from the Equifax breach settlement telling me they were not going to honor the original terms of the agreement reached with the FTC ( by the way, the FTC sent me here when I tried to fil the complaint with them ). They were instead unilaterally cutting down the amount of money we were to be compensated, and we had to jump through more hoops to actually get that money. 

Furthermore, we don't even know what the new amount might be, as there is no floor on how much compensation we will be getting. I could be getting back all of a penny, the way the new agreement has been worded. 

Worst of all, I got literally no say in this whatsoever. I jumped through all the hoops the first time the agreement was signed and the site put up for us to file on. And now even though I kept up my end of the agreement, it gets changed against me without me having any say whatsoever. As far as I'm concerned, this is fraud, and Equifax can not be trusted to follow through at all. 

See the new wording here : https : XXXX XXXX with original wording and how to file here : https : XXXX

Company response to consumer: Closed with explanation