BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan has been in continued forbearance since XX/XX/XXXX, however, it is being reported by our mortgage company, TIAA, as delinquent to credit bureaus. 

Our loan is being reported as closed ( in bad standing ) with delinquent payments 30- 59 days past due to at least two credit bureaus. XXXX is reporting a missed payment beginning on XX/XX/XXXX and XXXX  is also reporting a missed payment for XX/XX/XXXX. However, we have been in continuous, uninterrupted covered forbearance plans since XX/XX/XXXX with no period of delinquency ever for this loan. 

We applied for mortgage payment assistance related to COVID-19 and were placed in an initial forbearance plan beginning XX/XX/XXXX covering through XXXX XXXX. 

We have requested and been granted extensions for this forbearance plan, for continuous forbearance coverage through the following dates : XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX through XX/XX/XXXX We are requesting TIAA Bank and the new loan servicer XXXX update our mortgage files and all credit reports to show the current forbearance plan and correct all the credit reports for both XXXXX and XXXX to reflect accurate information regarding this mortgage loan. Please update our records to show the start of the initial forbearance as being XX/XX/XXXX. 

We feel that our mortgage company is in violation of the RESPA act by reporting inaccurate information about our mortgage to the credit reporting bureaus. As a result of this false reporting my credit score has dropped over 80 points. I have had my credit card interest rates raised by the issuers and I have had at least one credit card closed by the issuer because of the now lowered credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are not authorized by me and are not related to any transaction by me

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 2023-12-04
Company: EQUIFAX, INC.
State: NC
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have violated my rights .

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US Department of Education is in Federal violation of the Fair Credit Reporting Act. They are tarnishing my reputation and causing undue hardship for falsely and illegally reporting alleged debt much beyond 7 years old. There are 3 accounts reporting on my credit reports with a status of collections. All are listed as Acct # XXXX with balances reflecting as {$25000.00}, {$54000.00} and {$28000.00}. These accounts are from XXXX and prior. US Department of Education is providing misleading information on my consumer reports. This illegal reporting has been preventing me from being able to apply for credit to provide for my family. My credit is constantly discriminated against because of these large amounts and outdated accounts. They have illegally reported that these accounts were opened in XXXX. I have not attended any school in the last 9 years. These accounts are fraudulent and violate my consumer rights.

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 2019-10-18
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 status incorrect

Complaint:
There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: SYNCHRONY FINANCIAL
State: MS
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:
i sent a letter to XXXX XXXX on the XXXX of XXXX concerning a account that is reporting i owed XXXX, asking them to verify this negative item belong to me.i know that they have 30 days to respond to this request before its considered a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Trip Delay insurance not processed after 50 days from filing date and no answers to emails. 

As part of the benefits advertised with my credit card, there was travel insurance. 

During holiday season there was a big storm in XXXX area which prevented my wife and I from traveling. I called the credit card and they said it includes trip delay and to keep my receipts for the claim. 

The trip delay due to weather was on XXXX XXXX XXXX  We had to stay another two days until XX/XX/XXXX in XXXX. 

I filed a claim ( Nr : XXXX ) on XXXX XXXX  for a total of XXXX USD that included two nights of hotel and meals. It is supposed to take 5 business days and up until Today it has not been processed. The last two emails I have sent to eclaimsline email address were not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Family Financial Care, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Every time I call them they say ask the last payee and she's not getting to me she told me about her house and I don't have no money my Social Security check is going there

Company response to consumer: Untimely response
Consumer complaint received 2021-02-27
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Consumer Financial Protection Bureau ( CFPB ) Complaint ID # XXXX, submitted XX/XX/XXXX The issue of the bank not paying our county property taxes from XX/XX/XXXX to XX/XX/XXXX has been resolved with the bank paying the back taxes, interest due, fees and penalties and getting the property out of tax sale status. 

On XX/XX/XXXX a member of the banks executive response team was telephonically contacted regarding the issue of paying our attorneys fees in this matter, which was a part of our original request. At that time that person admitted that the banks vendor, a property data company, was at fault in this matter. That person said that the bank had determined that in their opinion it was not necessary for us to retain an attorney to represent us and that the bank would not pay the attorney fees nor reimburse us for attorney fees. 

We would argue that bank mortgage and tax issues, as well as county government is complex and difficult to navigate for the average person, and that a thinking person would most certainly hire an attorney for representation in non-payment of taxes and a tax sale situation. 
The potential for loss for us, XXXX  the eventual loss of our house for non-payment of taxes, was great, and as noted above the bank has admitted fault. 

We would therefore respectfully request that the bank reconsider and reimburse us for the attorney fee which we have paid for the attorneys representation in this matter.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I need Capital One Auto Finance to Update my Account with the current correct credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX  score as soonest possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from National Account Systems ( XXXX ) XXXX stating that I owe about {$660.00} to the XXXX XXXX company. I called and visited personally to XXXX office and told them that the charges of {$660.00} is wrong and unjustified. I also told the XXXX XXXX company multiple times that these charges are wrong. Both XXXX and the XXXX management didn't provide any justification to these charges and nor they provided any evidences or replied to my emails. 
Now, suddenly I received a letter from XXXX that they sued me over this. I believe XXXX is using their legal knowledge and attorneys to earn this money from me by sending some legal notices. My background is Science and I am a neuroscientist so I have zero knowledge about these legal matters. Therefore, they are using their professional knowledge in a wrong way to earn money from me using wrongful means. I have all the documents and evidences that prove I disputed and raised my voice 10s of times to stop them but I guess they are totally unstoppable.

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 2021-02-27
Company: EQUIFAX, 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 contacted Equifax over 10 times in the course of 1 month to remove " dispute comments '' from a consumer report. Each customer service representative promised it was done correctly and 3 days later the comments would still be there. The process should take 1-2 days total. It took me over a month. The reason to remove the comments was extremely important. I was attempting to close on a mortgage. As you can guess that didn't happen in the time frame I needed and the loan was declined. I had to start completely over with the loan process and loss the bid on the house along with money. This is unacceptable on all levels. The English barrier continues to be a huge issue when calling. The customer service representative doesn't speak or understand English well. This needs to be addressed. You can not allow this to continue happening. Surely I am not the only person who has experienced this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX  account # XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, account # XXXX, XXXX XXXX, the fraudulent bankruptcies that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, and U.S. Bankruptcy Courts Bankrupto XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent.

If you have any questions or concerns I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Experian Information Solutions 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:
Fruad account account was deleted twice from credit report then keeps reappearing mid XXXX XXXX XXXX XXXX   creditor change name to the back of Missouri and readded account with the same account number that was deleted I attached proof Amount XXXX XX/XX/2015 account was 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 2018-04-29
Company: R.M. Galicia, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor has stated that I owe XXXX then XXXX then XXXX. They change the amount each month. They constantly report it differently on my credit report. This debt was paid by the insurance company back in 2012. XXXX XXXX keeps reporting different creditors under my name with the amount of XXXX then they will decrease it to XXXX. Then re report it with a different date. Then they change it again to XXXX. This goes on constantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 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 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 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 2023-07-31
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2019-10-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian did not notify me of a reinsertion of a XXXX XXXX Account that was an account as a result of identity theft.

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 2023-03-06
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Credit Acceptance auto loan. I have tendered payment via U.C.C. 3-603 - 3-604 sent a Promissory Note via certified mail XXXX with instructions on full payment for discharge. The instrument has not been honored, nor returned according to law. They verbally or the phone say they dont not accept form of tender which is in direct violation of the discharge/ Dishonorable not operating in the spectrum of the truth and lending act. They are not transparent.

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