BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023, I submitted a dispute to your credit bureau regarding erroneous items appearing on my credit report. According to the FCRA, credit bureaus are required to complete their investigation within 30 days of receiving a dispute. Unfortunately, it has been well over 30 days since I initiated the dispute, and I have not received any resolution or updates from your bureau. 

I understand that credit bureaus have a significant number of disputes to investigate, and I appreciate the importance of a thorough review. However, I would like to bring to your attention the statutory obligation to resolve disputes within the designated timeframe. Given that the 30-day period has elapsed, I kindly request that you provide me with an update on the status of my dispute and a firm timeline for its resolution.

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 2022-12-30
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my mortgage payments to LoanDepot for years without issue. This year they created a new company with a similar name to process payments. I paid by check monthly. Since this new LoanDepot LLC payment processing firm has gone live, they tell me that my payment arrived late, even though I sent it XXXX weeks before the deadline. 
The former payments were sent to NJ. Now they are sent to TX. How is it that the location is closer to my California home but takes longer to get there? The company is lying, falsely claiming my payment is late when they are secretly holding it and processing it late, charging me late fees and jeopardizing my credit. 
For the XX/XX/ payment, I received the bill on XX/XX/XXXX. In XX/XX/, I sent my payment on XX/XX/XXXX and LoanDepot claimed it was late. So with the XXXX payment, I would not be able to pay my mortgage on time because of their lies and setting me up to fail. Their customer service staff are ignorant of what is going on and claim they have no such practices. However, LoanDepot will not let me talk to a service representative who helped me once before. 
None of this was a problem until their new payment processing company took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: MN
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:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: LA
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:
XXXXXXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT IS NOT MINE AND IT REPORTED 30 DAYS LATE ON MY CREDIT REPORT I HAVE CONTACTED THIS COMPANY SEVERAL TIMES I HAVE FILED AN IDENTITY THEFT REPORT FOR THIS ACCOUNT. AS WELL AS XXXXXXXX XXXX  ACCOUNT XXXX XXXXXXXX AND XXXX XXXX ACCOUNT # XXXX IF THIS SITUATION IS NOT RESOLVED I WILL HAVE TO TAKE OTHER LEGAL ACTIONS. THIS IS NOT FAIR THAT I AM BEING HARASSED AND THAT THESE ACCOUNT ARE AFFECTING MY FINANCIAL STATUS ON MY CREDIT REPORTS

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 2020-02-23
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a Vanilla Gift Card for {$300.00}. I did not use the card until on vacation in XXXX. I used very little of the balance and still have the card in my possession. 

In XXXX, I checked the balance of the card to determine the remaining balance prior to using it again. 

I found that 3 unauthorized transactions occurred on XX/XX/XXXX. All three were paypal transactions. 

I called the 800 # on the back of the card and notified the company of the unauthorized transactions. They emailed me a claim form on XX/XX/XXXX, which I completed and returned by mail. 

I called around 30 days later and they claimed to have not received my forms. I received another email and returned via email on XX/XX/XXXX 

Vanilla Card declined my claim stating it was outside the 60 days allowed. As a gift card, I do not receive periodic statements alerting me to activity on the account. 

I responded several times since then, quoting their own terms and conditions, which state that if a claim is filed outside of the 60 days, they can deny the claim if I was negligent. 

Since I am in possession of the Card. I am not negligent. I did not authorize or perform those transactions.

Vanilla Card is bound by not only their own terms and conditions, but VISA 's Zero Liability rule. 

I would like your assistance in obtaining the refund due to me on the claim. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-11-10
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. I have a problem with a collection agency called Firstpoint Collection that is reporting I owe them a debt for XXXX XXXX  however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a XXXX XXXX of the XXXX  I feel this is wrong and I need it fixed please is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX number XXXX has 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-09-29
Company: Dant-Pacific, Ltd
State: NV
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:
Vehicle ( Collateral ) information was given on how to retrieve it back from XXXX XXXX as lein holder against vehicle, do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX. The account status is wrong. Now, I want you to delete this misinformation on my file : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX account was paid. Without any warning, letters, or contact Credence Resource Mana put the collection on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
I was given a subprime car loan with unfair rates and interest. Car was totaled and Santander continued to charge me interest and monthly payment. Santander issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but Santander is still listed on my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am applying for an equity line of credit and during the application process, my banker identified an account from XXXX XXXX XXXX XXXX. Which showed in my credit report as a bad debt, nonpaid. I have no idea about this loan, I have never owned a XXXX vehicle or ever financed a car through them. I called XXXX XXXX on XX/XX/XXXX, and I found out there is another loan under my name and social security number for a XXXX XXXX XXXX under my name and someone else. XXXX XXXX tells me the entire process will take about 30-45. It's so unfortunate that I have to wait that long for identity to be determine and I am in the process of applying for a mortgage loan because this is making it very difficult to get the loan. I appreciate your prompt response and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: SYNCHRONY FINANCIAL
State: NY
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/XXXX I received notification that Synchrony Bank closed a dispute with XXXX XXXX in favor of XXXX XXXX, citing a letter that XXXX XXXX sent them indicating that I had not responded to my own request to have a brand new refrigerator repaired due to the refrigerator light never working even at time of delivery on XX/XX/XXXX. The six emails that I sent to XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding the brand new refrigerator light not working were not included as evidence I had  contacted XXXX XXXX attempting to get the repair done. After days of runaround by XXXX XXXX with them at first telling me someone from repair would call in 48 hour to me calling and emailing repeatedly unsuccessful in my attempts to either get the refrigerator light fixed or return the refrigerator, I paid a repair person {$75.00} to diagnose and repair the refrigerator door light switch. I contacted XXXX XXXX, President Synchrony Bank on XX/XX/XXXX asking why were n't any of my many emails sent to XXXX XXXX sufficient evidence that XXXX XXXX falsely claimed that I have not responded to them regarding the refrigerator and why Synchrony Bank based their decision in favor of XXXX XXXX based solely on XXXX XXXX 's letter to Synchrony stating that attempts were made to contact me and I did not respond. XXXX XXXX from the Office of the President at Synchrony Bank responded indicating that she would be assisting with a resolution, but only asked me to email her -- which I had already done.

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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: NM
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: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX I was in the hospital XXXX XXXX with XXXX after complex XXXX  XXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2021 I sent a letter to Transunion requesting that the information from a prior investigation. I gave Transunion 30 days to respond with the documents that they " verified '' these debts with. On XX/XX/2021 I received a response back saying they will not dispute the items again. They never sent the documents that I asked for that were used to verify these accounts from the first attempt. They only sent a letter saying they were verified. By law I am entitled to receive these documents proving the debt is mines. This dispute is my second attempt in writing requesting the documents over XXXX months and they have been giving me a hard time.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
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:
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.

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 a account without my written instructions 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.

15 U.S.C. 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 reasonable 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 explanation
Consumer complaint received 2023-05-31
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:
XXXX of XXXX  it was brought to my attention that there was a plethora of fraudulent information being reported on my consumer report with Experian. I have taken liberty to file an identity theft report ( Report # XXXX ) for fraudulent activity noticed thus far. I am filing this complain because Experian has been reporting fraudulent information to my consumer report for quite some time, and has made no attempts to rectify the adverse actions taken against 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 explanation