BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Subject : Urgent Request to Correct Address and Name Information Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent 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 2021-09-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want this unauthorized inquiry blocked and removed from my report XXXX XXXX XXXX Inquiry XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions 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:
I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.

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 2023-02-19
Company: JPMORGAN CHASE & CO.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
Essentially, my payment history with all my creditors was 100 % up until the start of the Covid-19 Pandemic. There was a global disaster that prevented me from making payments, but they have a random payment established for me in XXXX, 2020 that is not made by me. I believe the payment history can be proven to be 100 % prior to covid, and as such, a goodwill deletion of the account is only right. I've contacted the company to no avail. If covid-19 isn't good enough, id like to request the company provide document proving that the payment history theyre reporting is accurate, considering i do not believe i made 2 of the payments on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a mortgage on my home and my home has suffered a total loss from fire damage. My mortgage company holds the insurance claim funds in the bank loss draft escrow department and they refuse to release the required amount of funds to order materials and proceed with rebuilding my home. The mortgage company said they are bound by XXXX XXXX laws and can not release more funds and I am supposed to pay for my fire damaged home from my own pocket even though I have been paid insurance money that the mortgage company holds and refuses to release to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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: Personal information incorrect

Complaint:
I apologize for the inconvenience Ive been facing with Equifax. Ive contacted their customer service more than 20 times and provided your ID, SSN, last paystub copy, and a written explanation via mail as requested. Despite sending the mail twice through both normal and express delivery, they claim not to have received it whenever you inquire. However, I verified the address and checked the tracking number, which showed that the mail was delivered. Today, when I called again, they asked me to send it once more. Ive been dealing with this problem for almost two months without finding a solution. Some of the representatives, including one named XXXX, were unhelpful and hung up on you. The supervisor couldnt provide assistance either and also asked you to send it again. This Equifax problem is causing significant loss of time and money, and its the only obstacle preventing me from refinancing my home.Please help me. Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, 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:
I am having issues with inaccurate information showing on my credit report my name show be listed as XXXX XXXX XXXX please delete all other variations. There are several numbers on file that are not mine please delete the following numbers : 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. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have never lived at the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: FL
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage with Wells Fargo between 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 2022-03-22
Company: Debt Recovery Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally financial refuses to release my payment history and XXXXXXXX XXXX XXXX statement. Ally financial has blocked my online access which enables all consumers to access their payment history and statements. I have contacted them Ally for 6 months, and have been ignored. The above mentioned is a violation of State and Federal law. Ally is a corrupt financial institution. I have never encountered such an abuse of disregard for consumers, and I'm a repetitive customer of Ally 's. This is how they treat repeat customers.

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 2023-02-28
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
My Hyundai XXXX financed by Hyundai Motor Finance was stolen ( due to the wave of Kia/Hyundai break-ins that have occurred in XXXX  ) on XXXX. I promptly let my insurance companyXXXX XXXX, and HMF know about the theft that day and started a claim. On XXXX I accepted a total loss settlement from XXXX  due to the car being recovered and found beyond repair. XXXX then reached out to HMF for a payoff amount for the vehicle and was told {$9600.00}. On XXXX XXXX sent HMF a check for {$9600.00} which they accepted and cashed. Since XXXX HMF has claimed that they need additional money from me with no explanation as to why. XXXX closed the claim after the check was sent and I thought the matter was handled. I now have a balance of {$11000.00} on my credit file that is 60 days past due from HMF for the balance of a totaled vehicle that has been taken care of by my insurance company. With how poorly run HMF is and how they settled for {$19.00} million in fines for false credit reporting back on XX/XX/ I find it really hard to believe anything they are telling me and refuse to be harassed anymore. I want them to close my file for the totaled vehicle ( Just like my insurance company XXXX did on XXXX XXXX and remove the balance from my Credit Report so I can move on in peace.

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 2022-03-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2022 Report requested by XXXX XXXX XXXX  for a mortgage XXXX XXXX obtained a report from XXXX XXXX in XXXX, PA. 

The report provided the credit score from each agency, Equifax, XXXX & XXXX. 
For each agency there were scoring descriptors that were incorrect and that could not be substantiated by the data. XXXX XXXX was contacted and explained that the scoring model is originated by XXXX XXXX XXXX. 

After contacting XXXX XXXX, Equifax and FICO, no one accepted responsibility for the errors. 

Descriptors used - " level of delinquency on accounts '' " too many consumer finance company accounts '' " insufficient length of revolving credit history '' were inaccurate. 
I have {$0.00} balances, 0 delinquencies and my revolving accounts have aged beyond 15 years. 

These descriptors impact the credit score which impacts the lending agencies decisions.The data analytics require correcting and the reporting agencies including XXXX XXXX are equally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Affirm Holdings, Inc
State: NY
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: Billing dispute for services

Complaint:
On XX/XX/XXXX an account was open with affirm inc for the total of XXXX dollars for an unknown reason. I was also going to many fraud activity during the years XXXX and XXXX many card was issued through my personal banks and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In response of my first complain to Transunion about XXXX XXXX on the XX/XX/2020. 

On the XX/XX/2020 I called Transunion in response of their statement they made about my current mailing adress. I spook with 2 representative and finaly with their supervisor. The first representative told me that my current mailing adress is well updated, but he transfer me to the fraud department, the fraud department representative told me she couldnt pull up my account, she transfer me to her supervisor. This supervisor pull up my account and she told me that everything with my account is allready updated and that every thing is ok with my account, once again I ask her about my current mailing adress and she repeat that my adress has been always been in my transunion report, that she dont understand why on my CFBP complain Transunion stated that they dont have my current mailing adress. WELL THIS IS THE KIND OF SITUATION I HAVE BEEN DEALING WITH WHEN MAKING DISPUTES WITH TRANSUNION, NAMED AS FALSE STATEMENTS, MISLEADING AND ERRONEOUS INFORMATIONS, TRANSFER FROM ONE DEPARTMENT TO ANOTHER. I WILL KEEP AN OPEN EYE ON TRANSUNION AND START TAKING LEGAL ACTION IN LOCAL DISTRICT COURTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I disputed a charge with my credit card company Citi. The dispute was regarding a purchase with XXXX in the amount of {$5800.00}. I disputed this charge due to the fact that the purchase for service I paid for I never received. Citi provided a conditional credit in this amount and advised an investigation would take place. 

On XX/XX/XXXX they asked for additional information which I complied. I provided in great detail. The invoice, emails etc.., and other supporting documentation. I explained the merchant defrauded me of {$5800.00}. They sold me a service that was never provided. They expected me to except another variation of a similar package at an additional charge, which I refused. My emails reflect this companies admission to misrepresenting this package. I have tried unsuccessfully to get this subscription cancelled. 

I have not received the service I paid for. I have not utilized or benefited from any of their products or services that they have otherwise attempted to bribe me with in order to keep my {$5800.00}. This is a fraudulent transaction as this foreign company lied and intentionally misrepresented their product over and over until they got their money. 

On XX/XX/XXXX Citi made the decision to reverse my conditional credit. I received no notification or explanation or advised of any appeal rights or reconsideration. I was not given an opportunity to dispute any information from the merchant that was used in this decision. I called back requesting to speak to a supervisor and was told they dont make calls but I can request for them to review your complaint and escalate it to their department. I was advised there was no direct contact number and that I would just have to wait for further instructions through mail. 

In the meantime they have recharged this disputed charge to my account which has negatively affected my credit standing and generating excess fees and interest. I have submitted several letters and emails to XXXX but have received no response. It is my belief that this unfair decision to make me responsible for this {$5800.00} was made to benefit Citi as they are the ones to stand to benefit from this decision and not to protect its customers from being fraudulently charged for misrepresented services never received. Because of this I have had no choice to request my dispute reviewed unbiasedly.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: DE
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 have disputed XXXX accounts on my Experian Credit report about XXXX XXXX XXXX XXXX XXXX. They are not reporting my monthly payments on my accounts to credit reporting Agencies, and My Experian report is showing incorrect balances on these XXXX accounts.They also have my late husband still listed on the accounts as Joint. He has been deceased since XX/XX/2019. 
Experian will not correct the errors, which is causing my credit score to be negatively affected.

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 2020-05-02
Company: EQUIFAX, INC.
State: MA
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 suffered from identity theft after the Equifax credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. XXXX and Transunion both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.

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