BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on Transunion and XXXX shows an Auto Loan but on XXXX it appears to be blank. 
2. The open date for XXXX and XXXX shows XX/XX/XXXX but Transunion shows XX/XX/XXXX. 
3. The balance on XXXX and XXXX shows {$9.00} but Transunion show {$0.00} 4. The day active date for XXXX was XX/XX/XXXX, XXXX XX/XX/XXXX, and Transunion XX/XX/XXXX. 
5. The last payment date for Transunion shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for Transunion is XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My name is XXXX XXXX, and Id like to file a complaint against a lender, WLCC Lending GVF, d/b/a Green Valley Funds. It gives its address as : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, their phone number as : XXXX + ( XXXX ) XXXX, and their eMail address as : XXXX. 
This Lender is a subdivision of Wakpamni Lake Community Corporation ( WLCC ). They claim to be a political subdivision of the XXXX XXXX XXXX, and thus they claim sovereign immunity. 
On XX/XX/XXXX, I applied, and was approved for, what is commonly called a pay day loan. Everything was completed online. I was assigned a XXXX XXXX XXXX, and the loan was assigned number XXXX. I never spoke with a live person about the loan. Nobody from the Lender contacted me to explain the terms of the loan. 
This loan no. : XXXX carries a 788.67 % A.P.R. I am not an attorney or a banker. Nobody explained to me what the A.P.R. is, or that I would be paying approximately {$1700.00} for a loan of {$500.00}. 
On XX/XX/XXXX, Green Valley Funds issued a pay-off statement where they said the balance was {$10000.00}, good through XX/XX/XXXX. On XX/XX/XXXX, a cashiers check number XXXX, drawn upon XXXX XXXX XXXX XXXX XXXX, in the amount stated, was sent to Green Valley Funds by United States Certified Mail, Item Number XXXX XXXX XXXX XXXX XXXX XXXX. 
When I contacted XXXX XXXX, I was informed that they 30 to 90 days to post a check. The loan still appears as outstanding, and has not been satisfied, nor has XXXX XXXX even acknowledged receipt of the check, even though the certified mail containing the check was signed for on XX/XX/XXXX. 
I can provide the original loan documents, a copy of XXXX XXXX pay-off statement, and copies of the check and the Certified Mail envelope. 
I dont know if you can do anything about this, or will want to do so. Even if you can not help me, I would like you to lodge my complaint so that this perhaps does not happen to other innocent consumers, going through a rough patch, who fall victim to these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have a fraudulent account reporting on my Transunion credit file. I have tried to have it rectified with Transunion and they are still reporting the fraudulent file of 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 2021-03-14
Company: INTERCONTINENTAL CAPITAL GROUP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I began working with Intercontinental Capital Group Inc. on XX/XX/XXXX on a VA cash-out refinance. Up until today XX/XX/2021 we still have not closed on the loan. Throughout the entire process I've been ask for the same document on multiple occasions, been asked for documents that should have been requested earlier on in the process at very late stages. I've been told on multiple occasions the delay has been related to the cornavirus, not sure how that affects the lending industry, as well as record numbers of applicants applying for refinancing. I've threaten to take my business elsewhere but doing so would erode the interest rate I have locked in with this company, costing me thousands of dollars on top of what this company has already cost me. 
On XX/XX/2021 I received a notice that the title was cleared, it took nearly another week but on XX/XX/2021 I received the clear to close. They finally scheduled the closing for XX/XX/2021, however 30 minutes prior to the scheduled closing received a call from the escrow company stating they haven't received the closing documents and it was canceled until further notice. I still haven't received an update from the mortgage company outlining why this happened or when I'll close. In the mean time, I've now made another current loan payment losing another {$1600.00} in interest that I'll be unable to recoup. This is on top of the payment in XXXX I was told we would close by and the rate creeping up by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the fair credit Reporting act... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. Capital XXXX bank.. XXXXXXXX XXXX Account Name XXXX XXXXXXXX XXXX  ... Account Name... XXXX XXXX XXXX... 
15 u.s.c 1681 section 602 A. states I have the right to privacy...

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: LoanCare, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To date I have not received satisfaction from the complaint I filed about XXXX XXXX, LoanCare LLC, XXXX and XXXX. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. LoanCare assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! XXXX had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that XXXX completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing, sent me a letter stating that I was in default of not making payments but we have been making our payments on time and we have proof that the checks we mailed were cashed but we're still getting a notice stating that we're late and we are in Jeopardy of being in foreclosure. I'm trying to figure out how or we're late and if there's any way the company can send us a printout or something showing their investigation result. This situation needs to be fixed and I am not a happy customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After hearing of the data hack at the XXXX  XXXX I decided to freeze my credit at the three services. No problem with the other two, but at TransUnion I could not login. I got a message that my identity could not be verified. This occurred on XX/XX/2023. I spoke with their customer service that day and was told the issue would be elevated and I would hear back in a week. 

I never heard back and I called again on XX/XX/2023. This time I was directed to email identifying documents to XXXX  with a userID of XXXX. I did this and on XX/XX/XXXX got several email messages that my identity was confirmed, that I had a new temporary password and that I could login. 

Attempting to login yielded exactly the same result : Account Security : Your account has been temporarily suspended. 

Were sorry, but we couldnt validate your information. 
For your protection, we have temporarily suspended your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 consistently disputed the inaccurate information on my credit file about XXXX XXXX XXXX! this account in reporting open, past due amount of XXXX derogatory status which is inaccurate reporting on my account the receipt of proof that this account was paid off is attached and MUST BE REMOVED FOR INACCURATE REPORTING IN VIOLATION OF MY CONSUMER RIGHTS. THE FAILURE TO CONTINUE TO REPORT THIS ACCOUNT BASED ON THE NUMEROUS TIMES DISPUTED IS NOW RESULTING IN A LAWSUIT FILING.

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 2021-03-14
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: Account status incorrect

Complaint:
I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.

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 2023-10-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax on XX/XX/ at XXXX and was on the phone with the for over 30 minutes. ( i called XXXX ) after talking to a rep then a supervisor, i then filed a complaint directly with Equifax on the matter and was provided a case number the situation is regarding my credit score, specifically the XXXX Score. 

In XXXX i had a XXXX around XXXX my score then started to fluctuate XXXX to XXXX points over the next 4 months. 
my score had already suffered a XXXX point drop after responsibly paying off my student loans. I am now down to XXXX with these additional fluctuations. 

i contacted my card provider, as well as all three credit agencies, they all directed me to Equifax since they are the ones that control the XXXX XXXX. contacted them yielded no results. they, like any other source on the internet, provided generic information on how to improve my credit score. the completely failed to provided me with the reason as to why my score was wilding swinging XXXX to XXXX points every month. 
they simply said a ) its just the algorithm, they have no clue how it works b ) contact a credit advisor. but in the same breathe said the credit advises had no insider information on what would have specifically dropped my score ; but they would be able to take a guess on what could possibly raise my score. 

all three reports show EXCELENT results, no fraud, no missed payments. no changes that would rationally result in a XXXX point downard swing. 

this is simply UNACCEPTABLE. someone needs to be able to SPECIFICALLY explain the EXACT reason how and why MY score was hit with a massive swing. 

i appreciate any help you can provide. i understand the specific employees at Equifax are not to blame as they are just reading from their script. 
considering the life altering effects of a XXXX point swing has on my life i demand an explanation from Equifax. 

( apologies for typos, i have been on calls all day and am frankly livid at the situation. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I contacted chime to try to close my account numerous times they told me I had to do all this stuff to close my account and then still would not send me the money said they had to send it to the last known address. I told them I was in a homeless shelter bc I was illegally kicked out of my home and they still refused to help me in any way and would not give me any information about my own account. I have tried to contact a lot of different people and I just don't know what else to do I made a police report through the XXXX police department on XX/XX/XXXX. Please help XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Violence Against Women Act, a federal law provides you certain protections. Pursuant to Virginia code Va. Code 55-225.16 ( A ), ( B ) and Maryland code MD XXXX CODE ANN., REAL PROP. 8-5A-02 through 8-5A-04, an early termination of lease for victims of XXXX XXXXXXXX must be allowed without liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
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: Was not notified of investigation status or results

Complaint:
I sent a personal information update request to the credit bureaus, to make sure that the personal information was reported accurately. In response to my written response per my rights, they responded in a email and not in a written response as I requested. I would like to make a formal complaint that they did not honor my request per the law, and refuse to update the information that is reporting on my credit profile. I received the email back from Experian on XXXX and have not received any updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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: Information belongs to someone else

Complaint:
AFTER CAREFULLY REVISING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT THAT I HAD ABSOLUTELY NO KNOWLEDGE OF. THE ACCOUNTS DOES NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS SO THAT MY CREDIT FILE CAN GO BACK TO IT'S NORMAL SENSE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PROVIDER OF SERVICE XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation