BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze  account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question May- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: WELLS FARGO & COMPANY
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:
WELLS FARGO HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, WELLSFARGO IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE WELLS FARGO ACCOUNT IS BEING REPORTING DIFFERENTLY TO XXXX, XXXX AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH XXXX. PLEASE SEE XXXX XXXX REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE 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 non-monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
THis is not mine. I did not get an auto loan from here

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 {$8800.00}.

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 ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -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 2021-03-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navy Federal CR Union at XXXXXXXX XXXX XXXXXXXX XXXX Va, XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as a past due balance. I have also sent dispute letters and 609 letters over 60 days ago and has still not gotten a response. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please.

XXXX XXXX I have 2 accounts that should be removed 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 2020-05-24
Company: Experian Information Solutions Inc.
State: VA
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 {$8800.00}.

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 ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -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 2020-05-24
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I didnt received my prepaid card that had arrived with a letter saying ( this prepaid card ) the letter had the information of the card but it wasnt included. I would like for yall to help me Change my address since I moved from that house where my information arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: NJ
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 submitted a dispute to Equifax regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Equifax to verify this information and show me how they had verified this information. 

Bankruptcy Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Liabilities : Individual/Joint : Individual Individual/Business : Individual Bankruptcy Disposition : K-DISMSD/CLSD CHXXXX Current Disposition Date : XX/XX/XXXX XXXX Amount : Equifax responded on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, XXXX. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties such as XXXX XXXX. Furthermore XXXX replied to be via mail on XX/XX/XXXX that they do not have any information related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Biltmore Asset Management LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is trying to get employee information but refuses to tell us who their client is. They are unprofessional and really quite creepy. I would hope that anyone who gives out their employees information to these people gets sued, and their immoral business practices should be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis is reporting a Bankruptcy to the 3 credit bureaus which is inaccurate. When I disputed the item with Lexis Nexis and asked to know the source of information, I received 3 responses. Their first response was that the Bankruptcy did not exist. The second response stated that the bankruptcy is accurate yet does not provide their source of the information. I've contacted the Clerk of Courts in Georgia 's XXXX XXXX, who state they do not have any information with my name and social attached to a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have purchased an airline ticket from XXXX XXXX in XX/XX/2020 and charged it to my credit card issued by Capital One Bank. 
The charge is from XXXX in the amount XXXX charged to my account on XX/XX/2020. 

XXXX cancelled my flight, but refuses to refund my money. 

I have contacted XXXX several times, but they have refused to refund my money, I then contacted my credit card issuer, Capital One Bank several times by mail and phone, but the bank have refused to accept my dispute. 
The bank has treated me in an arrogant and demeaning manner and with XXXX prejudice towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: AMERICAN EXPRESS COMPANY
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: Privacy issues

Complaint:
AMERICAN EXPRESS NEVER GAVE ME NOTICE OR A CHANCE TO OPT OUT OF CREDIT REPORTING THIS ACCOUNT INFORMATION, IM OPTING OUT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-09-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I submitted a dispute regarding incorrect information being reported on my credit report regarding late payments on my mortgage for the months of XXXX, XXXX, and XX/XX/XXXX. I was told by a PHH mortgage representative, that the situation would be corrected. This was not the case and my credit plummeted a 100 points, which caused a devastating effect on my creditworthiness. This effected my lively hood and any chances I may have had obtaining any financial freedom. I have disputed this matter with all three credit bureaus to no avail. I have documented proof that clearly shows that payments were made during the months in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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: Account status incorrect

Complaint:
this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX XXXX , XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to

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 2020-12-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing this due to non-compliance with the Experian Credit Reporting Agency, XXXX  Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-02-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my homeowner 's insurance company in regards to hail damage. An insurance adjuster came out to assess the damage and informed me that I would need the entire roof replaced. My roof is leaking in various areas throughout my home, more extensive damage is the ceiling over my garage. I hired a roofing company to replace the roof in expectation of an insurance claim check. The insurance company ( XXXX ) sent me a breakdown of the cost and informed me the check would be sent to my mortgage company, Wells Fargo, to release to me. I contacted Wells Fargo and they informed me that no one can talk to me because of the lawsuit I have pending against them. They are holding my claim check for roof repairs hostage and will not release them because of the lawsuit I have against them. Meanwhile, my roof leaks whenever it rains. My fear is the roof caving in on me and my wife while we sleep. This is a terrible situation that I am in. I am XXXX and I think they are treating me bad. Can you help 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 2018-09-25
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously submitted a dispute due to XXXX not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through Credit Acceptance, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. Credit Acceptance sent me mail showing the account satisfied and closed. On XX/XX/2018 XXXX  reopened this paid closed account to unpaid with balance of {$160.00}. I called Credit Acceptance XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with XXXX because them had indeed sent XXXX my file for this account being paid and closed. XXXX had severally damages my credit because of their negligence and I am ready to sue them over this.

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 2021-10-06
Company: EQUIFAX, INC.
State: AL
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:
Equifax has repeatedly failed to update my credit report monthly and incorrectly shows inaccurate balances. I have repeatedly contacted them in which I have been ignored.

Company response to consumer: Closed with explanation