BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I

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 2022-05-23
Company: EQUIFAX, INC.
State: NC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Freedom Mortgage Company
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 status incorrect

Complaint:
Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.

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 2023-06-20
Company: CITIBANK, N.A.
State: NC
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/2023 XXXX fraudulent purchases were made to my citi double cash mastercard. I received text messages and emails for citi card about the purchases on XX/XX/2023 asking if i made the purchases and I replied NO. I called citi card and reported the fraudulent charges. The purchases were made at XXXX XXXX XXXX XXXX in California. I live in North Carolina and do not know anyone in California and have not visited that state in 20 years. 

The charges were reversed but then reinstated a couple of months later.

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 monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: NY
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 am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Multiple unauthorized credit card accounts were attempted to be opened in my name between XX/XX/2022 thru XX/XX/2022. This resulted in hard inquires on my credit report. I've contacted the ( 3 ) major credit bureaus to dispute the fraudulent activity. In addition I've contacted each creditor to close any unauthorized accounts.

I've been mostly successful in making contact with each creditor and identifying the unauthorized activity, with exception of one account ( XXXX  ). XXXX is unable to provide any information. XXXX was unable to produce an account or application, even though there was a hard inquiry on my credit report. 

The hard inquires were made from the following creditors. 
XXXX on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 There was an unauthorized loan application on XX/XX/2022 ( XXXX XXXX XXXX XXXX  ) . I was able to reach the bank and notify them of the fraudulent activity. 

Credit reports from the 3 major credit bureaus are currently frozen and/or locked. 

XXXX is requiring supporting documentation to remove the unauthorized inquires from my credit report. Supporting documents include a " police report '' and/or a letter from each creditor. Do to the number of creditors and the tedious process of contacting each creditor, it puts an undue hardship on the victim to make the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
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:
Equifax - Data Breaching My personal information is at Web for selling - according XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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:
XXXX and Equifax have been violating my rights for 120 days now by reporting these accounts to my Credit reports : XXXX XXXX XXXX  SS Account # XXXX, XXXX XXXXXXXX XXXX SS Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX. 
I Have attached my credit report to show you that the credit bureaus aren't following guidelines to report this account to my credit reports. And I know they aren't doing this because they have updated these accounts as verified over 4 times with XXXX and Equifax after the furnisher deleted the accounts on with transunion. XXXX and Equifax are reporting thisfraudulentaccount unfairly and is affecting my life very negatively because I can not get a vehicle in my name and I have been homeless for two months now. I have lost countless jobs due to inconsistent transportation. XXXX and Equifax are violating my FCRA rights by keeping these accounts posted on my credit reports. The law states in 15 US code 1681 Section 2 ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 611 ( a ) 15 USC S 1681i demands a proper investigation of my dispute request and the bureaus have yet to do a proper investigation that doesn't involve XXXX XXXX or any automatic processes. 
I know this because My previousdisputes totransunionregarding these accounts has resulted in deletions because they successfully complied and didn't violate my rights. 
Attached is my credit report, I have highlighted the accounts along with every violation that they have committed. I Have sent all of the letters attached to the credit bureaus on each date that is on each letter, it shows that the credit bureau are not following they're own laws that they must abide by. Thank you. 


Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company does not respond the proper way. If you send the info to company they will continue to do the same thing which does not verify my debt. They are abusing the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$230.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00}, XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX, Highest Balance {$3000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-02-16
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The lender sent two payments for property taxes one payment in XX/XX/XXXX and another XX/XX/XXXX due to an error by the county, The county reimbursed about 87 % of the money on XX/XX/XXXX. In the interim, mortgage company did an escrow analysis prior to receiving refund. My mortgage jump to an extra {$1400.00} a month. I have a fixed rate mortgage. I called the company around XX/XX/XXXX to asked them to redo the escrow analysis. The agent said he would put in the request and it should be done by XX/XX/XXXX. I checked on XX/XX/XXXX and it still had not changed. I called again the agent said the request was started but had not been submitted. She said it should be done by XX/XX/XXXX. I checked everyday since XX/XX/XXXX and there has been no change. I called the company again on XX/XX/XXXX and spoke with two agents and they see the refund made by the county but the second agent was confrontational after I became confrontational with her. I asked to speak with someone above her and she said no one was available and that someone would contact me within 24 hours. I have not heard from anyone yet. By the grace of God, we were able to pay the mortgage by XX/XX/XXXX but I checked this morning and it still has not gone down. I have a 3.25 % interest rate on a $ XXXX mortgage. My initial mortgage until XX/XX/XXXX was {$2000.00}. Now it is showing as {$3400.00}. My property tax bill was {$5900.00}. The loan originated XX/XX/XXXX. They are not being reasonable and I'm at my wits end. I've never been late on my first home of 13 years. This is my second home, to deal with this is not acceptable. I need help. Thank you.

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 2018-05-16
Company: EQUIFAX, INC.
State: SC
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:
I WRECKED MY CAR ON XX/XX/XXXX. AFTER 7 WEEKS OF WAITING FOR REPAIRS TO BE DONE BY XXXX XXXX XXXX XXXX XXXX. XXXX SC, THEY TRIED TO SELL ME A NEW CAR TO REPLACE MY WRECKED ONE. IN DOING SO WITHOUT WRITTEN OR VERBAL PERMISSION THEY RAN A CREDIT CHECK FOR AUTO LOANS WHICH IMPACTED MY CREDIT SCORE WITH 6 HARD HITS. THIS HAS LOWERED MY SCORE ALMOST 20 POINTS WITH EQUIFAX. I AM DEVASTATED TO FIND OUT THIS CAN STAY ON MY REPORT FOR MORE THAN 2 YEARS. I HAVE NO IDEA HOW TO CORRECT THIS. PLEASE HELP ME.. 

Hard inquiries 10 Inquiries We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
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: Account status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX  XXXX-Balance {$840.00} XXXX XXXX XXXX-XXXX-Balance {$0.00} XXXX XXXX-Balance {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: ALLY FINANCIAL INC.
State: CA
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:
I am still locked out of my account through Ally Auto I have been locked out since XX/XX/2023. The company is allowing another person to utilize all of my account information and my email address my account contains my personal information which I was the one who set it up with my credentials. The company refuses to correct this issue.

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 2022-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Creditacceptance has aquired full rights title interest on a vehicle that ive purchased through XXXX XXXX. Theyre operating fraudulenly and they know it. 

Facts : on XXXX ive purchased a vehicle from XXXX XXXX/credit acceptance. I've entered into this contract without full disclosure. XXXX XXXX credit acceptance knowing and willingly took advantage of me and my consumer credit. I was given false and deceptive information. I was told that a downpayment of {$1900.00} was needed in order for me to drive off the lot. XXXX XXXX/ Credit acceptance, failed to clearly and conspicously disclose to me that a Finance charge, WAS the SUM OF ALL CHARGES, and never informed me of my RIGHT to include my insurance into the finanace charge. I was never given notices that comes along with consumer credit transactions. I was never informed of my right to rescind either, full disclosure of my right to rescind.2 ). Transparency regarding the process of the consumer credit transaction/application being the financial asset. 12 CFR 360.6 ( 2 ) as well as self liquidating paper, 17 CFR260.11b, False and deceptive information 15 USC 1692e and 15 USC 1605 and 15 USC 1635 ( a ) and 15 USC 1611 ( 1 ) ( 3 ). Due to the facts of said violations affiant rescinds the contract with XXXX XXXX Creditacceptance , wgich was sent via certified mail return reciept. Credit acceptance knowinlgy is damaging my reputation has caused me extreme emotional distress and placed me in a state of XXXX, fear, and uncertainty of the financing system. I have wanted to buy a house but now i can not due to the negative actions of creditAcceptance and thier reportings on my consumer report, which ive never given written consent for them to do so.

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