BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX SENT ME THE AFFIDAVIT THAT SO THAT I CAN GET THE INNACCURATE INFORMATION DELETED AND BLOKED FROM MY CREDIT REPORT AS A RESULT OF IDENTITY THEFT! 

I HAVE GOTTEN NO RESPONSE.

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 2022-04-06
Company: Roadrunner Account Services, LLC
State: AL
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 pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Lending Club Corp
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: Problem with personal statement of dispute

Complaint:
I was late on my account with Lending Club and we re-financed my house and I paid the account in full. They the went and charged off my account the same month I paid it in full. This is legally not allowed you have to be 6 months late before you can legally charge off an account. I am asking for them to update my account and remove the word charged off. Not right at all. In all honesty yes I was late and I did pay it in full as soon as I refinanced my house and even reached out to them to get payoff amounts to do so. They knew exactly what they were doing. Bad business practice. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: General Motors Financial Company, Inc.
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:
I've been a loyal customer with GM financial for years. 

Upon reviewing my XXXX, XXXX, and XXXX credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment. 

In XX/XX/2022, I was out of work due to having a medical procedure. I was home recovering which led to financial hardship during this time. Ive had great experience with GM Financial and my goal is to maintain the relationship weve built over the past few years. 

My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Never given contract. Investigation has taken over 30 days. All accounts must be deleted.

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 2017-03-11
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage is whom we ( husband/wife ) have our loan with since XXXX. Many times over the years they have neglected & lied to us on important issues that cost us lots of money, but now, another issue has risen that was just brought to my attention in a mortgage statement we received on XXXX XXXX, XXXX, but after communication with someone from Chase, they realized that it was them " CHASE '' that made the mistake back in XXXX XXXX in which they neglected to apply our XXXXhusband/wife ) mortgage payment accordingly and therefore appeared there was no payment, then it lead to them FALSELY REPORTING US TO THE CREDIT BUREAU 'S AS LATE IN XXXX, BUT IT WAS REALLY THEIR FAULT. I was given a case number by the Chase representative is which I will give you later. They have fallen short of their duties or their word or their temporary contracts in past, so I want to have it on record of their mistake and how are they going to make sure they fix our credit report and our credit score from last XXXX XXXX to current, which has cost us more, due to we decided not to refinance our home for a over 3 % lower interest rate in which we had already been approved for by our local bank since our credit score would have been lowered by the mistake that CHASE MORTGAGE MADE. Since Chase did not apply our XXXX XXXX pymt accordingly, they told me on XXXX XXXX that all payments since last XXXX was made late, but it really was n't. it was their lack of responsibility of putting my payment where its suppose to be, now they also need to reimburse all late payment fee 's in which they also lied to me when I questioned why it was on my statement, they said its just where they list the fee 's and that I was n't being charged, but that was a lie, cause now I know thats the fee they been charging me. Its also why I did not know they did not apply the pymt correctly. They also neglected to issue us a new contract back in like XXXX & XXXX with all the Obama stuff, and we meet all the criteria and my husband had even found a job making more than what he was making when we purchased the home. They have cost us soooooooooo much heartache, tears, blood, mental anguish, frustration and now a 3rd time of not being able to refinance our home for a lower interest rate. If us the consumer is even ONE DAY LATE ON A MORTGAGE, WE PAY THE PRICE WITH A NEGATIVE CREDIT RATING FOR THE NEXT 7 YEARS, SO WHY DO N'T THE MORTGAGE COMPANIES HAVE TO MAKE IT UP TO THE CONSUMERS? AND I DO N'T MEAN IN A CLASS ACTION LAWSUIT WHERE ONLY THE LAWYERS MAKE GOOD, ITS US THE CONSUMERS WHO LOOSE OUR MONEY WHEN MORTGAGE COMPANIES XXXX US, THEY SHOULD HAVE TO PAY US THE LOSE, AND I DO N'T MEAN WITH A {$9.00} CONSULATION PRIZE CHECK WHILE THE ATTORNEY 'S MAKE MILLIONS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PayPal is withholding 100 % of my funds from my XXXX. In total they have {$95000.00} withheld from me of my own money. I have no money from XXXX, XXXX, being given to me. They have two reserves set. 
I started taking XXXX  for my XXXX  XXXX   on XX/XX/XXXX. I have been doing XXXX  for 4 years through PayPal, and have had 1 chargeback in my four years. 

On XX/XX/2020 PayPal put a hold on my account, limiting it from doing any business. They asked me to submit inventory, bank statements, and other business information in order to release the hold. On XX/XX/XXXX, their merchant review rep XXXX, put a reserve of {$75000.00} ( all of my funds ) into a hold I can not access, as well as putting a minimum reserve of 100 % of sales with a {$50000.00} minimum reach. On top of this, PayPal is withholding both my XXXX  sales money, as well as my payments from XXXX XXXX  work. 

All of this money comes from XXXX  for my XXXX XXXX. Without this money I will go bankrupt. All of the money they're withholding is intended for XXXX  and XXXX  the product for my customers. Without this money I will have nothing to ship. Due to the nature of presell, I have no product to send to customers. The reserve money is not accessible to me AT ALL even though they say it's my money. I am unable to refund customers from this amount, and have no money to refund them, pay for my livelihood, and pay for my products to be XXXX. 

I contacted PayPal through email, as well as called them. This morning on XX/XX/XXXX I spoke with their merchant review rep XXXX. She told me that they would not remove the reserves on my account. They told me I would not receive any money for 6 months. They also told me I would have to find {$95000.00} somewhere else to pay for my products and shipments. XXXX also told me that I would not be able to refund using the reserve money, and would have to use my own funds. PayPal told me I could close my account and get the money in 6 months, or leave the money in the account for an unprecedented amount of time. I begged them to see if I could have a smaller minimum, or have access to the funds at least to refund orders, and they denied me. 

They are also taking non-store sales money. Without this money, I won't survive. Especially during COVID. 

I have contacted the attorney general of each state I have business in, the XXXX  XXXX XXXX, and will be taking more public escalated actions if this is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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 have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and Experian to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. 
Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. 
the accounts in question are as follow : XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account 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 explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: MS
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 ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports yet XXXX, Transunion, and XXXX are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status, inquiry, and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections, charge offs, late payments, or any other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumers within 5 days, I will be forced to officially file IRS form 3949A ; Information Referral AND IRS form 211 ; Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-09-17
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: Information belongs to someone else

Complaint:
I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
. 1XXXX XXXX ( Bank ). XX/XX/XXXX 2XXXX XXXX ( finance ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX 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 2020-11-11
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed XX/XX/2020 from a terminal illness that was aggravated by Covid-19. I sent Mr. Cooper a request for mortgage assistance to lower the 2nd mortgage payment because I have lost his income. Mr. Cooper has sent my mortgage to and Attorney for the delinquent. Mr Cooper has been unwilling to assist me with lowering my mortgage payment. There is a 1st and 2nd mortgage on my home and I'm on a fixed incomed. Please Help I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got into a car accident and had to get a car but I have stage XXXX XXXX and was XXXX XXXX XXXX XXXX. My credit score was poor but I had {$3000.00} to put down. They got me a loan through credit acceptance and I really needed a car but now I see how high the interest rates are and they didnt do my automatic payment once and I called and they charged me a fee for their mistake.

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 2019-04-04
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: Their investigation did not fix an error on your report

Complaint:
The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX , ACC # XXXX, Date Opened XX/XX/XXXX. XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review

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 2023-03-19
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: Was not notified of investigation status or results

Complaint:
I started disputing inaccuracies on my credit file with XXXX, Trans Union, and XXXX in XXXX of last year. I have sent them now 3 sets of letters starting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have inaccurate account information, accounts that are not mine, inaccurate inquiries. 

XXXX has only responded to ONE letter, the others continually respond with " more information needed '' or just a new report with the same inaccuracies. This has seriously impacted my credit ability.

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 2019-04-03
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:
The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, ACC # XXXX, Date Opened XXXX XXXX XXXX , ACC # XXXX, Date Opened XX/XX/XXXX. XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX, Date Opened XX/XX/XXXX Prosper Market place in, ACC # XXXX, Date Opened XX/XX/XXXX CAP XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review

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