BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : XXXX. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( XXXX usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section. 
2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, 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 2023-12-17
Company: Experian Information Solutions Inc.
State: TX
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-12-17
Company: Carvana Group, LLC
State: DC
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 am still having difficulties for Carvana LLC to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-11
Company: EQUIFAX, INC.
State: VI
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Monday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Despite hours ( in aggregate ) of time spent on the phone trying to get resolution, Equifax refuses to correct an issue with my account on their " myequifax '' service. I require the service to quickly manage credit freezes and unfreezes, which are necessary because Equifax compromised my data in XXXX. Despite verifying my identity manually on the phone multiple times and speaking to multiple customer service representatives both in XX/XX/XXXX and XX/XX/XXXX, Equifax has repeatedly told me that I will " never '' be able to use this online service due to an unspecified " problem which occurred when my account was set up. '' They have refused to detail the exact problem, saying only that it could have ranged from a compatibility issue with the device I was using, to incorrect information entered, to even an unexpected IP address. They have refused to connect me ( either in real-time or off-line via email or phone # ) with technical personnel who could resolve the issue. Instead, they have said I would need to manually call in every time I needed to freeze or unfreeze my account and wait on hold to speak with someone, or, alternatively, use an automated system ( which has also not worked for me ). Lastly, searching online via forums like XXXX, XXXX, and others, this issue appears not be isolated. It seems to have affected many others. 

SPECIFIC ISSUE HISTORY : I first encountered the problem in fall of XXXX. After spending several hours on the phone with Equifax on XX/XX/XXXX, I received an email on XX/XX/XXXX indicating the issue had been fixed. This was blatantly false. Instead, when I needed to again unfreeze my credit report in XX/XX/XXXX, I encountered the same issue. It is unacceptable that Equifax, a large corporation with likely hundreds of employed software engineers, is either unable or unwilling to investigate the problems with my account and either reset the account or resolve the underlying issue in their internal system. It is insult to injury that the only reason I find myself in this situation of having to freeze and unfreeze my report is that Equifax failed to protect my data in the first place. 

On XX/XX/XXXX, after 2 1/2 hours on the phone and having spoken to 3 different customer service representatives about the issue, I was either disconnected or hung up on with no resolution to the problem. 

The account in question is for email address : XXXX ( XXXX XXXX ) The case ID 's in question are : XX/XX/XXXX : Case # XXXX XX/XX/XXXX : - complaint # XXXX - Employee 1 info : Employee ID : XXXX ; name XXXX - Employee 2 info : Employee ID : XXXX name XXXX XXXX Employee 3 info : Employee ID : XXXX name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Not allowing me access to my credit files that I requested. Im applying for a car loan and these companies are reporting incorrect info to lower my score. The FTC needs to investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On Sunday, XX/XX/2020 I was approved and paid for my car with XXXX to be shipped to my closest destination. I received full approval from Exeter Finance for the amount of the loan as sole signer. I provided all documentation for the car loan to be approved as requested. When I arrived to pick up my car and finish signing all of my paperwork I was informed at the time of pick up that I would have to have a co signer so i could complete my purchase because Exeter decided at the last minute that they changed their mind and would not accept my employment verification letter from my employer that proved my income and my new raise amount. I was mislead the entire time even after I paid for my vehicle to be shipped and paid my down payment. I had already sold my previous car and felt pressured and like I had no other choice but to have my fiance co sign on my loan. Thanks to un ethical treatment I got from Exeter I made a deal that I would have otherwise walked away from. This car loan that now shows on my credit report and my fiance 's report has damaged our financial health immensely. Because of this car loan showing on both of our credit reports we were not able to be approved for our home and have since received several denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Financial Solutions Group, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was contacted by phone from a company named Financial Solutions Group claiming they were a government agency who would help me resolve outstanding debts. They are located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX Indiana. They had an attorney named XXXX XXXX at the same address mail a letter regarding the matter. I paid up front {$3200.00} which they retained. I was sued by multiple creditors, and they did nothing to help a default was entered by XXXX XXXX and they refused to work with me. I know they scammed me and did not follow up on the matter. I want these funds returned I am XXXX years old and trusted them to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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 my previous attempts to rectify this matter, it seems that my concerns have not received the attention they deserve. The ongoing presence of this fraudulent accounts on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX and XXXX XXXX XXXX This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of a fraudulent accounts on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 writing to inform you that the data for this account " XXXX XXXX '' appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! I have no contract with 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 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one,  instead, my reports are now showing 11 inquiries, one from each bank, if they  were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.

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 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2023-01-05
Company: ALLIANT CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX was unfunded and I still have not received my money back struggling with this XXXX to refund my money has been very difficult Please Help. They stated that they do not have a process to refund the money and this is very concerning wondering how many other customers they have done this to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage for a condo in XXXX, FL in 2018 Escrow was NOT part of the mortgage loan. 
In XXXX XXXX sent the tax bill to the XXXX address, but I do not get mail there. 
So they notified the bank of the taxes due. 

Freedom Mortgage has been billing me : {$1700.00} every month for escrowing just my real estate taxes. The problem is : for 12 months my real estate tax is {$9300.00} for the year. Freedom Mortgage is billing me annualized : {$20000.00} for a {$9300.00} tax bill. 
Year to date they have collected from me : {$11000.00} for the escrow, I have surpassed the amount of the real estate tax due for the year and Freedom Mortgage will NOT stop billing me : {$1700.00} - they have already reported me late by 30 days to the credit bureau 's even after I disputed the charge. 

I have recorded my last call with them. 
So far I have at least 15 hours of calls in to them, no resolution. 
I have faxed them. I have emailed them. I have sent them messages thru their website for customers. I have in boxed their CEO, Senior VP, COO all via XXXX - no responses. 

Freedom Mortgage Corporation XXXX XXXX XXXX XXXX Mt. XXXX, NJ XXXX United States Lender NMLS ID : XXXX XXXX They are bad people who run a crooked business. 
I have filed complaints in NJ and FL with the regulatory entities for each state that oversee banking and lending. Hopefully, I will get some relief from someone. 

Also they lied and said my LTV ( Loan to Value ) fell below 80 % - LIE I put 50 % down in cash : owe them {$290000.00} and the recent appraisal for the property done by a bank ( I have it for sale ) came in at {$570000.00} - plenty of equity in the condo. 

NEVER, EVER TAKE A MORTGAGE FROM THESE PEOPLE.

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 2023-03-13
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There were two unauthorized transactions made from my account. Id like to file a dispute under Regulation E and get my money back. Both transactions were from Zelle in the amounts of {$400.00} and {$50.00} respectively. I did not authorize these payments because they were on the day I get paid and part of my money is withdrawn at an ATM at XXXX to get rent money out. I have provided proof of this in the form of screenshots of the unauthorized transactions to my XXXXXXXX XXXX Account and my transaction history on payday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX have contacted XXXX XXXX, And Equifax reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove XXXX FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court EQUIFAX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 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 No other adverse items of information should be on my report other than records of convictions of crimes according to 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation