BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
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: Was not notified of investigation status or results

Complaint:
Filing a complaint against Transunion for failing to respond to disputes/ method of validation request.       X/X/17 -  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.  ( please see letter )    X/XX/2017 - Received a response from Transunion which listed one account as deleted and the oth er account, "   XXXX   XXXX   XXXX   XXXX   '' as " verified as accurate and updated ''  X/XX/2017 - Sent a letter to Transunion requesting  method  of verification as I completely disagree with the results they stated on   XX/XX/XXXX   XX/XX/XXXX -  Received a letter from Transunion stating " we are unable to process your request because we were unable to determine the nature of your request or your request was ineligible '' ** If you read my letter, it is clear that I was requesting a method of verification for the debt they claim that they " verified '', Especially since I asked for several pieces of information.       X/XX/2017 - Sent  a letter to follow up on my " method of verification letter ''. Requested that accounts were deleted immediately since they only sent a response to delay my request and they did not respond with the requested information.     To this date,   XXXX   XXXX   XXXX    , I still have not received any of the requested information from Transunion.

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 2023-04-04
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:
Consider this as my follow-up attempt to ensure that these items are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/ Ive already included this in my previous Complaint # & I am including it again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
Unauthorized credit pulls by XXXX XXXX XXXX ... twice. ... ..unauthorized credit pulls by XXXX XXXX ... twice..unauthorized credit pull by 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 2023-08-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I noticed on my Experian Credit Report that there was an address that I have never lived in. This one address is XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in this address. I don't know this address. I don't know anybody who lives in this house. Please remove it from my credit 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 2023-01-13
Company: Experian Information Solutions Inc.
State: PA
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2017-06-28
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a Mobile home on XX/XX/XXXX with a mortgage loan from Greentree. I have paid my loan every month since, always early or on time. ditech assumed the loan from my old mortgage company. I continued to pay early or on time. The loan is an 8 % simple interest loan so I pay the loan on the XXXX of the month instead of the XXXX of the month when it is due for a potential interest savings. I was even paying an extra {$200.00} a month towards principal for a while until ditech started posting payments wrong and I noticed a big fluctuation in the amount of payment that went to interest. Since XX/XX/XXXX, there has been a continually problem with posting my proper payment to my account. I repeatedly have to call to get it straightened out because they post it to the principal or interest and not the monthly payment. It takes repeated phone calls with assurances that it is fixed and then it happens again in a month or two. Since the problem is still happening in XX/XX/XXXX, I now write down when I call and who I talk to. I called XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX. I was assured the problem was fixed, notes made to the account and safeguards put in place that my payment would only be applied to the next due payment. This did not happen. I have been turned over to collections twice for overdue payments and receive a call today ( XX/XX/XXXX ) from XXXX notifying me they are a debt collector for ditech. That would be fine but I have never been even late on a payment, much less missed one. I pulled up my account on-line with ditech and see the payment they received on XX/XX/XXXX went entirely towards interest and they are showing no other received payments. The reality is the XX/XX/XXXX payment was for XX/XX/XXXX and should have been posted so. My XX/XX/XXXX payment went out on XX/XX/XXXX and they will receive it on or about XX/XX/XXXX. My interest rate in XX/XX/XXXX was {$150.00}, in XX/XX/XXXX it was {$440.00}, and in XX/XX/XXXX it was {$500.00}. These are the things I have called about and fought to get fixed. The interest rate is always dramatically different when it is a simple interest loan and I pay the same day of the month. Should n't it be close to the same amount each month? I have wasted countless hours on the phone straightening out this mess on a repeated basis and it just happens again. Customer service tells you it is fix but it never is and fight with you when you want to talk with a supervisor. No consumer should have to be subject to this type of treatment from a loan company, much less a customer that pays on time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: RAS LaVrar, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ras LaVrar Law Offices LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2023 To whom it may concern : Please find the enclosed Social Security Income Documentation and Information for myself. 

My wife remains unemployed and is unable to work due to an apparent severe medical issue that has caused her to have a lack of sight in her eyes. 

Please find the enclosed copies of enclosures of CFPB complaint correspondence I received via email today, that note a lack of supporting documents that I have now provided in this letter. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've sent certified letters for each item on my credit report requesting documentation of the original purchase agreement bearing my signature. I am a victim of the data breach involving XXXX XXXX XXXX and Equifax. On XX/XX/2020 I sent certified letters to Equifax disputing each item on my credit report. The credit report that I received as a result is dated for XX/XX/2020. After analyzing my credit report, I realized that neither of the accounts had the required comment stating that the accounts had been disputed within 30 days. The old addresses had been removed. However, I was advised to contact the creditors directly to remove the inquiries from my credit report. The accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX had been deleted. However, those accounts have been reinserted on my credit report. The collection account for XXXX was also disputed. It is still being reported with missing creditor contact information. I've sent a certified letter to XXXX requesting documentation of the original purchase agreement bearing my signature and a representative signed for the letter on XX/XX/2020. XXXX failed to send a copy of the original purchase agreement instead they sent a bill. I sent a certified letter to Equifax because they should have left a comment stating that the XXXX account had been disputed within 30 days but they failed to do so. According to the USPS Tracking log, the certified letter was received and signed by a representative at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was sold and they stated that I had a balance left. The sold my car for more than they told to me. They left me with a higher balance than what I really owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions 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:
Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to XXXX XXXX XXXX and Experian. I set up a payment plan for my card on XXXX XXXX XXXX. To where I would pay {$85.00} on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in 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 2017-05-16
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wife and I both have had  XXXX  hard inquiries from Chase Bank on our credit report as a result of someone trying to fraudulently acquire a n Amazon Visa Credit C ard. Our credit reports show the these applications were submitted from an address we lived at almost 5 years ago.   The  XXXX  inquiries were on the following dates ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase and they assured me the inquiries would be removed in 6-8 weeks. I am reporti ng this for the simple fact that this is happening to many others across the United States. This needs to be looked into immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: BARCLAYS BANK DELAWARE
State: FL
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:
My account was in great standing, bills paid on time. I had a disputed charge on my account from a company called ( XXXX XXXX ) which was billed to my Barclays Visa card ( 1 ) First the company did not send me all the goods I paid for. ( 2 ) Second I sent back what was received The company ( XXXX XXXX ) was advised the good would be returned. Barclays refuse to credit my account for the charges even though the XXXX receipt were sent to them where the company received and accepted the merchandise I refuse to pay that part of my bill and asked Barclays not to charge me interest on the disputed amount. Barclays continues to charge me interest AND have now Reported my account to all the Credit Bureau as being late, which have made my Credit Score dropped significantly. 
I need them to remove the false statements from my credit report and credit my account for the merchandise that was returned and accepted by ORIGINAL SIN Company. 
Thank you Mrs XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  ) XX/XX/2021, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting 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:
This account is past the 7 year mark on my account and should be removed as an old account. I contacted them and they said the account was updated to reflect last updated time frame. This account was opened in XXXX. It's showing a negative effect from XXXX. The account was paid in full

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: General Motors Financial Company, Inc.
State: NY
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : GM FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: MARINER FINANCE, LLC
State: FL
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:
Mariners Finance is  reporting  XXXX  negative account to the credit bureau for  XXXX  loan and the balance being reported is not accurate. Account #  XXXX  Account #  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 explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Alorica Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Had a XXXX XXXX XXXX savings loan with XXXX, everything was going great until they sold and transferred all accounts to SST. SST from the start didn't seem like they had their operations together, so I decided to payoff the remainder of my account. After paying off my account I unlocked the savings I had with XXXXSST which was around {$2200.00}. The day I paid off my account ( XX/XX/XXXX ) I was told it would take around 7-10 days to receive my savings money if I chose to receive it via direct deposit. I called again on XX/XX/XXXX because I hadn't received any money into my bank account, the customer service agent told my that I would have my money on XX/XX/XXXX, which is truly ridiculous. I fail to believe that in XXXX any company to process requests in a timely manner. Today is XX/XX/XXXX, I called and asked where my savings money was and the customer service agent told me that " my account was successfully closed on XX/XX/XXXX and that it would take 10 days from that date to receive my money. Extremely ridiculous, and it seems like they are withholding my money at this point. I have paid off any obligations to XXXXSST on XX/XX/XXXX and we are now almost a month later I have not received only I was told would take 10 days at most. Deceivers and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Conn's, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
In  XXXX  of this year I purchased a new washer and dryer fr om Conns Homeplus a month later the washer stopped working I called Conns regarding my washer has stopped working it took about a week for them to get a technician to come out to my home, then my dryer stopped working and it took a week to send a technician over to repair my dryer. The technician stated the dryer was fixed. A week later the dryer stopped working again. I called Conns again, and asked if I can exchange the dryer for another one. They stated that the technician would have to come out 3 times and tell them that dryer ca n't be repaired. Conns stated that they do n't have a technician and it 's going to be another week before anyone will be able to come out. I bought a warranty for these products and it appears that Conns does n't want to live  up to the contract. I am so frustrated with this company. What can I do to rectify this issue?

Company response to consumer: Closed with explanation