BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested XXXX of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call XXXX XXXX XXXXXXXX credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for XXXX months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from my account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was purchased by another company " Carrington Mortgage '' who purchased it from XXXX XXXX. I received my last mortgage statement from " XXXX XXXX, '' in early XXXX stating that I have a refund. After calling XXXX ' XXXX ( XXXX ) to speak with them about the refund, the animated machine didn't give me the option to speak with a representative and said to call the new mortgage company " Carrington Mortgage '' about any further transactions or any questions. I contacted the new mortgage company " Carrington Mortgage '' to inquire about the refund and after getting through to a representative and verifying my information, the representative had no knowledge about any refund, did not have the same statement I have. They put me on hold and after 10 min the hung up. I called again and after navigating the automated menus, I got a representative who hung up on me again. I called again for the third time and spoke with another different representative who said the check should of been sent out a long time ago but seemed confused and put me on hold for over 55 min, and nothing was resolved. I called for the forth time expressing my concerns for the poor services and no call backs. I explained again I have a statement the says there is a refund but I have not received any refunds. The gentleman claimed his system did not show any refunds nor did they have any statements from XX/XX/2022. I was put on hold again and hung up on. Nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Revco Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When my husband passed away in 2018 I moved out of my residence of 16 years. I was with PG for over 18 years.I got approved for Assistant with XXXX and they were going to pay my entire XXXX to XXXX. I worked on that approval for over a month to provide them with the death certificate of my husband and my hardship letter. XXXX was ready to pledge the entire amount to XXXX XXXX XXXX to close my account with zero balance. XXXX XXXX XXXX processed a payment from an unknown credit card and unknown individual that I personally did not authorize to send a payment to my account. I called XXXX  Over and over and they refused to give me the name of the person that made the payment. see XXXX is liable for damaging my credit report denying the {$2000.00} that I was receiving from XXXX and taking a payment from an unknown individual that was not authorized user neither was this individual on my account and as of today they still would not let me know who paid the {$1500.00}. that pay that sure did not help me but it created a balance on my account now it is destroying my credit report. just to clarify I am a XXXX XXXX age XXXX with no home at this moment. The collection company has taken this bill from XXXX XXXX XXXX and is trying to collect during the pandemic knowing that this account is fraudulent because XXXX took a payment from an unknown individual. It is almost illegal for this collection company to be collecting a XXXX XXXX XXXX account during the pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
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 accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes whish antedates the report by more than seven years.

! 5 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable 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 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my 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 2019-12-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
On Friday XX/XX/XXXX I went to XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX, CA XXXX to shop for a car and also sell my call. 

They offered me {$10000.00} for my XXXX XXXX XXXX, and accepted the offer. They were going to pay the amount due to the Bank ( {$6100.00} ), which they did, and pay me back the difference, which I have not received as of today. 

I leased a car with them ( XXXX ), I paid a down payment of {$500.00}, and agreed to monthly payments of {$360.00}, including GAP insurance and wear and tear. 

I have been reaching out to the person that we made the agreement with ( XXXX and XXXX ), and they had been telling me that they were going to reach out to me, but took several weeks to do so. 

I received a call today from XXXX ( XX/XX/XXXX ) to let me know that they were not sending me a check, and I stated that was not the agreement. Then he said that he was going to reach out to the sales manager ( XXXX ), which I never spoke to before and did not even talk to him when I was in the dealership. 

I want to resolve this and get the money that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NJ
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: TX
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:
Subject Request to remove unauthorized credit inquiry Inquiry made by : Inquiry made on To whom it may concern, I am writing to dispute the following information in my file. I received a copy of my credit report. And I noticed there is an unauthorized credit inquiry made by the company listed above. To my knowledge I have not signed any documents authorization the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the name, business, address and phone number of those who made unauthorized credit inquiries. So I may contact them directly in addition, I respectfully reuest a copy of and documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documents that you have had the unauthorized inquiry remove. If you find that I am in error, then please send me proof of this Finally, I am requesting an update copy of my credit report which should be sent to the address listed above according the the provisions of 612 ( 15 USC 1681j ) there should be no change for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX Enclosed are the following two documents that verify my identity ID/DRIVER LICENCE SOCIAL SECURITY CARD

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 2021-02-07
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I, XXXX XXXX XXXX, use the services of the Regional Finance Corporation, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX. I have been asking for loans since approximately XXXX, they have lent me {$7000.00} until XX/XX/XXXX and I have been paying monthly amounts on time. different Since I started with them I have refinanced approximately 3 times, with the loans to date we have a balance of {$12000.00}, and what they have lent us, the balance is still the same. Rebreaking my contracts and I paid them double or triple what they have lent us, I also realized that the interest is always higher than when I started with them, I have contracts every time I have asked for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked again my credit report and found that some of the data were incorrect. The XXXXree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2021-02-06
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I was alerted to negative information being reported to the credit bureaus. On that day I researched the negative information and found that Sequium had reported me for not paying a {$1200.00} bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and Sequium and provided both of them with all requested documentation to prove I did not owe this bill. My evidence was accepted by XXXX XXXX XXXX and the bill and collection authority was rescinded. XXXX XXXX XXXX provided me with a letter stating I was not responsible for this bill and all negative collection information was to be removed. I provided that letter to Sequium and they acknowledged the account has been rescinded by XXXX XXXX XXXX. I asked when the collection information would be removed and they would not comment on removing the negative information. I made several calls and sent several emails between XX/XX/2021 and XX/XX/2021 but have not gotten a resolution or responses from Sequium stating they would remove the negative information even though XXXX XXXX XXXX ( their client ) clearly says I am not responsible and to have all negative information removed..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 2021-02-06
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: Information belongs to someone else

Complaint:
Experian is reporting a debt on my credit report, from a company named XXXX XXXX  XXXX for {$400.00}. This debt does not belong to me. I have no knowledge of this debt. It is fraud. Experian is aware of my stolen identity. I reported to Experian that my identity had been stolen from years XXXX through XXXX. I have no knowledge of this company. I have not had any dealings or contracts with this company. I have never had any services with this company. I have not ever used any debit or credit card transactions with this company or their affiliates. I would like for Experian to remove this debt from my credit report.

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 2020-03-02
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'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.

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 2023-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I AM THE AUTHOR OF THIS COMPLAINT AS WELL AS THE ATTACHMENTS INVOLVED IN THIS COMPLAINT I checked my credit report and I noticed a inaccurate account on my report from XXXX XXXX  involving Chexsystems this inaccurate account is causing me stress and XXXX  and it also affecting my mental and financial health

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