BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a bankruptcy that is not listed on any other credit reports, XXXX doesnt have it listed nor XXXX have this account listed! by law they are supposed to do a actual investigation, they keep reporting they received this information from XXXX XXXX, I contacted XXXX XXXX, on XX/XX/2023 the representative stated their werent any request from any credit reporting agencies for my file to receive this information for a dispute, I also contacted the Clerk of Courts received a letter from The Clerks office that stated they do not provide any info to be reported in my name nor do they provide any information ever for anyones credit report. Experian has violated the law so they need to delete THIS INACCURATE bankruptcy ACCOUNT ASAP!. Have them furnish the request with the specified date of every investigation & when XXXX XXXX gave them information that they actually did an investigation or reinvestigation. Experian is violating my rights as a consumer under the FCRA and this account needs to be deleted ASAP

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 2023-03-30
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:
I submitted a letter to Experian on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX  XXXX XXXX XXXX  {$630.00}.

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 2021-12-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello! I live in Maryland and bought a used car at a XXXX Dealership in Ohio. Wells Fargo provided the loan for my purchase but now they say that it will take them another 4+ weeks to send the title to Maryland so I can register the car, even though they have the title on hand. Unfortunately, my temporary plates expire in less than 4 weeks, and I first raised this to Wells Fargo several weeks ago, so this timeline will not work for me. Wells Fargo is offering no solutions to this problem so I am submitting a complaint. I have asked several times if they can expedite this process and was told that there is no way to expedite. I am not sure why this is should take 4 weeks to send a title when they already have the title on hand - they said I could not even submit a request the state-to-state transfer until they had the title on hand, so I already had to wait a few weeks for them to receive the title only to find out about a new 4 week delay.

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 2021-04-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I satisfied two mortgages ( see attached letter ) in XXXX, XXXX to form a single line of credit with PHH Mortgage ( or someone on its behalf ). The consolidated mortgages ' satisfaction was improperly drafted/defective, and recorded in this manner. Upon my attempt to sell this property, I have been unable to fully clear title and {$27000.00} of sale funds are being held in escrow and not made available to me. My attorneys : XXXX, XXXX XXXX XXXX XXXX XXXX reached out to PHH Mortgage Services Corp. on XX/XX/XXXX. Since this date, they have faxed, re-faxed, and followed up by phone numerous times ( see additional, attached documentation ) to request the satisfaction be corrected. Now, a month following closing on the property, my attorneys still have not received the corrected mortgages satisfaction. PHH Mortgage initially responded to my attorneys ' calls and provided updates, but now, for over two weeks, no response and no corrected document, as promised. Please assist me, and see attached, additional information.

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 2021-04-26
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX I filed XXXX bankruptcy. My bankruptcy was discharged in XX/XX/XXXX. From XXXX to XX/XX/XXXX I have been receiving emails from a Caine and Weiner representative named XXXX XXXX offering me to settle a debt from Progressive Insurance. I thought I may have missed the opportunity to include it on my bankruptcy so on XXXX I paid the XXXX to Caine and Weiner via XXXX a link that was included in the email. 
After my payment, I went back and looked at my petition and noticed Caine and Weiner had in fact been included and the debt had been discharged as of XXXX I immediately called Caine and Winer and have since been given the run around. 
Today, for the third time. I spoke to a " manager '' named XXXX XXXX. He informed me Caine and Weiner would not be issuing me a refund. No reason was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2023-03-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
My original student loan servicer was XXXX. In XX/XX/XXXX, my loans were transferred to XXXX because I am taking part in the XXXX program. The problem is that my credit reports under all three credit bureaus are still showing my loans and loan account under XXXX as active. Because my loans and loan account with XXXX are now also showing up as active on my credit reports, this makes it look like I have twice as many student loans as I actually do. I disputed the XXXX loan account with Experian, and the result was that the servicer, XXXX, reported the account status as correct. I called to dispute with the other two credit bureaus, and was told that the outcome would be the same as my dispute with Experian. I also contacted XXXX when I first noticed this a few months ago, and they advised me to wait a month. I contacted them again a few months later, and was told the same thing. I contacted them for the 3rd time regarding this issue at the beginning of XX/XX/XXXX, and they changed their tune : they said that XXXX XXXX XXXX needs to contact the credit bureaus to report that XXXX no longer services my loans. I then contacted the XXXX XXXX XXXX Ombudsman mid XX/XX/XXXX, and opened a case. Last week, the results of the case came back : I was told to contact XXXX and open up disputes with the credit bureaus, which I already did ( I even explicitly mentioned this when I first spoke with the Ombudsman office ). I called the Ombudsman office again on XX/XX/XXXX, and was told that the result of the case was correct, and theres nothing that XXXX XXXX XXXX can do. I then called XXXX again on the same day, and was once again told to contact XXXX XXXX XXXX, even though I told them that I already did. Please help me resolve this so that my XXXX account can be marked as closed with all three credit bureaus. I dont know what else to do.

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 2021-04-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As previously described in my complaint from XX/XX/XXXX No : XXXX I opened a new Business Checking account on XX/XX/XXXX, and submitted XXXX transfer. The account is opened with an active offer that includes a {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance XXXX for more than 60 days in order to earn this bonus. This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I discussed this issue with XXXX XXXX XXXX, a banker at the Citibranch where the account was opened and the ticket was created. 

Citibank eventually responded that I did meet the requirements and that the {$2000.00} reward bonus will be paid out after I submit W9. 
I submitted the form immediately, subsequently, I received a couple of phone calls reassuring me that the funds will be paid by the end of XXXX. 
Currently, almost 2 months later the payment has not been made yet. 
In total from Opening the account in XX/XX/XXXX and depositing $ {$200000.00} and meeting the bonus requirements by the beginning of XXXX, it has been 6 months that Citibank did not fulfill the obligation of paying {$2000.00} to the 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 explanation
Consumer complaint received 2022-01-09
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 am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate BANKRUPTY CASE XXXX XXXX XXXX BANKRUPTY CASE XXXX XX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES

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 2023-03-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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 XXXX of 2020, the auto loan company Toyota Financial Services reported a 30 day late payment on my credit file during hardship due to the coronavirus pandemic. I have explained my situation to this company and they have proceeded to report my account without further notice In accordance with the fair credit Reporting Act, Toyota Financial Services account XXXX XXXX has violated my rights According to : 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604A Section 2 : states a consumer reporting company can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Returned items last year and never received credit. They keep adding on interest and late fees for items that I do not have in my possession. Calling and texting me over and over. I will not pay for items that I do not have and that were sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late.

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 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX My ex husband and I legel separated and I moved to a different city, I Have a lease agreement showing I move to a new city, When I left he was still living in the home we purchase in XXXX, he wanted the home. I went to the XXXX  XXXX XXXX and told them I was separated form him and asked them to remove me from the loan, they told me they could not, so I asked him if he was making the payments and he said he was, We finally divorce after 2 years and he got the house in the divorce and on the day of the divorce they took the deed out of my name and put it in his and I will show you from the tax office, I went back to the bank and asked them to remove my name and they told me they could not. again, so please can you help me, get this off my credit, I walked away from this because of abusive and I want to try to buy my daughter and my self a house, I want it off my credit and I want the loan taken out of my name please

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 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XXXX, the unknown debt on my TransUnion report was disputed and TransUnion had verified as accurate that the last payment was made on XX/XX/XXXX and the balance of {$3300.00} was reported correctly. The same year i requested mulltiple times to provide me the description of procedures that TransUnion 's used when they verified the accurancy. They never send me any description, as required by the law. 

After I notified the The Federal Trade Commission of the possibility of Identity Theft, they prepared for me a recovery plan to follow, step-by-step. XXXX of the steps was to notify TransUnion. 

On or about XX/XX/XXXX after TransUnion received my letter, they blocked this account. After 208 days, on XX/XX/XXXX, TransUnion sent me a notice that they just completed the investigation and they verified it belongs to me, and they reinserted it back to my consumer file. 

The information regarding this account were modified with different values. For example, The balance had dropped down, but the last payment is still XX/XX/XXXX. Please see the attached letters and the results of the investigation. I requested TransUnion to investigate this, and as of today, they still haven't responded me how come this got different balance amount now, when TransUnion verified the old balance was accurate? Since the reinsertion, I sent in total 7 letters pointing to this incorrect, not logical information. 3 were sent to the CEO of TransUnion. Neither I got description of ingestions. neither the account got deleted.

Please direct TransUnion, to provide me : 1. the last payment was made on XX/XX/XXXX. Then how did they verify the balance of {$3300.00} in XXXX was accurate, and how did they also verify as accurate the balance of {$3300.00} showing in XXXX? 

2. Why did it took 208 days to complete the investigation when they reinserted back this account?

3. What documents did they review when they concluded i am not victim of identity theft, and that i received benefits, money, goods, etc.

4. Did their investigation include the consideration of my special rights as a victim of identity theft? 

I really want to learn the methods of the procedures that were used when transunion verified the questions above as accurate. Mostly because the information that the Creditor has in his file don't match with the results of TransUnions investigation, and in a good faith I directly contacted the Creditor to solve this problem, and we both have entered into agreement that this balance is being reported incorrect. In addition, this incorrect reporting by TransUnion, made few creditors to deny me credit, and inability to obtain loan.

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 2022-08-22
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: Information belongs to someone else

Complaint:
FCRA Violations Not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. {$9800.00} written off. {$3100.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Not MY Addresses XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family NOT MY XXXX XXXXXXXX XXXX Not my Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation