BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
We have a business building homes, we have been directly affected by XXXX XXXX. We have a XXXX credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made XXXX payments in XX/XX/XXXX, XXXX on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, XXXX decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called XXXX and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will kill any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, 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 2023-07-11
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received emails about new account opening followed by email about change of phone number from site XXXX  Called XXXX  to close the unauthorized use of my identity to open the account. 
Chime closed the account and sent me email confirmation of account being closed and reporting of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: NY
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 had a job loss and I still kept sending money that was being applied to the wrong account. Finally they repossessed the car, I paid the balance of {$600.00} to get the car back. 

Then they made a payment arrangement with me after correcting their mistake. They gave me the same account number I had for years and they were not applying my payments to that account, because supposedly it was not my account. They found the money that they were not applying, because my bank had to get involved to clarify the discrepancy that they caused. 

They then made a payment arrangement but have been reporting my payments late and refuse to correct their mistake. 

Please I need your help because this has severely impacted my credit history and score.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 already disputed these items with the bureaus but they did not remove them nor prove validation. 

under sec. 602 i have a right to privacy XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2023-03-13
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-06-01
Company: EQUIFAX, INC.
State: MO
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:
The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX  {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. REMOVE INSTEAD ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2020-02-09
Company: Nelnet, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX / XX/XX/XXXX USDOE/GLELSI XXXX to XX/XX/XXXX XXXX / XXXX to XX/XX/XXXX XXXX / XXXX Missing I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Aside from them sitting on my application for months XXXX XXXX-end of XXXX XXXX, then using reason of borrower requested more funds when they told me due to length of closing, more points, higher rate and thousands in extra fees because of their inaction for months, so higher mortgage. I didnt request more funds-no cash out, just complacency on their part. A negative survey finally got their attention, and loan was approved and closed. My problem now-the legal description on the deed of trust isnt my home! Its a rental property that was lien free-I applied for a refinance on my home mortgage. They did pay that off-the only thing they did properly. Deed of trust shows my address, my parcel number, but totally wrong legal description. Different subdivision, different lot number-all wrong. Now no one will take it return my call from Amerisave. XXXX took my call, but. I ones called me. Please help me get them to correct this. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX I am writing to request the removal of unauthorized credit inquiries on my Transunion credit report. My latest credit report shows XXXX credit inquiries that I did not authorize.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have contacted Transunion, XXXX and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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:
Equifax and XXXX  are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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  and Transunion are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.

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 2023-10-02
Company: SYNCHRONY FINANCIAL
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX of XXXX I took out a loan for a XXXX XXXX and my loan was with SYNCB ( Synchrony Bank ) the payment on this loan was {$410.00} per month on a 60 month term. I called them in XXXX to find out what happens to the overage that is showing on my loan with the payoff coming up in XXXX of XXXX. I was told that overage was late fees. They had charged me over XXXX late fees ( {$39.00} each ) in the time of the loan. However in XXXX when they billed me the balance of {$2200.00} I said I needed more time to pay. I always paid my payment before the end of the month and added extra many times to the payment to cover the fee. Per my credit report you can see I have never been noted as late with this loan until after the loan term when they asked for the total amount. By the way I paid the entire amount of {$2200.00} by bill pay with my bank before the end of XXXX XXXX XX/XX/XXXX they have just reported me as late when I have no balance left on my loan. 

This bank should not be allowed to do loans. They have extremely poor customer service!. They did not in my opinion apply my loan payments correctly but instead collected my late fees and added them to the end of the loan while charging me additional interest on them so they could make more money. They have no online system to update the consumer and provide current account info or records. When I asked for proof of the fees they charged they sent me XXXX statements in the mail. Not even in the same package but individually. 

I request this group be looked into for poor business practices 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 2023-02-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TO CFPB PLEASE TAKE NOTE OF THIS DISPUTE ATTACHED TO THIS COMPLAINT. THIS DISPUTE WAS RECEIVED BY EQUIFAX XX/XX/XXXX IN WHICH I SPECIFICALLY POINTED OUT AND SHOWED VIA MY CONSUMER REPORT THAT HAD ERRORS FOR ACCOUNT - XXXXXXXX XXXX XXXX- WHERE I SPECIFICALLY STATED AND SHOWED THE ERRORS FOR PAYMENT HISTORY REPORTING A 30 DAY LATE IN XX/XX/XXXX ; HIGH CREDIT BALANCE REPORTING INACCURATELY ; THE CREDIT CARD NUMBER BEING REPORTED INACCURATELY. THESE WERE THE SPICIFIC ERRORS I DISPUTED BUT EQUIFAX DISREGARDED MY DISPUTE AND DISPUTED COMMENTS IN THE REMARK SECTION WHICH WAS NOT PART OF MY DISPUTE THAT I MAILED IN. SO I AM SUBMITTING THE SAME DISPUTE THRU CFPB PORTAL FOR THE SPECIFIC DISPUTE ERRORS THAT I AM REFERENCING IN MY DISPUTE AS REQUIRE BY THE LAW IN 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: MI
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 have contacted XXXX, XXXX and Experian regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Resurgent Capital Services L.P.
State: FL
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:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX  XXXX  {$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX  {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a XXXX Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is regarding a Debt for a credit card. 
I was not aware of a lien placed over my property, when I tried to refinance to be able to get out of some debts, then is when I found out that I have a lien ; I could not refinance until the lien was off the property, so I contact the debt collector agency, Aldridge Pite Hann, LLP, on XX/XX/XXXX, I spoke with XXXX, I tried XXXX to get information on the debt ; she told me that the original debt was for {$13000.00} for a XXXXXXXX XXXX XXXX handled by XXXX XXXXXXXX XXXX ; and that debt now raised to {$22000.00} due to an interest placed on it. I asked her to please reduce my debt to the original to be able to refinance and thus pay other debts. but she told me that it was not allowed it. ; I request to speak with XXXX XXXX, she told me that she will transfer the call but he/she may not be available ; so I left a message with my petition, file # and all information needed, but I never received a call back ; so I had to pay them the {$22000.00}, the check was sent to then by the refinance mortgage company. 
I am complaining because I believe that, first the interest was too high ; if I would not refinance, that debt would keep increasing and at the end they would be taking all the equity on my house ; I think they are not fair at all to try to help the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: MI
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 have contacted XXXX, Equifax and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing

Company response to consumer: Closed with explanation