BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: Experian Information Solutions 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 recently checked my credit and saw that theres still a collection that i disputed a few moths ago that is violating some FCRA laws and should not be reporting in my credit. I'm now in search for a house and this collection is keeping me from getting better rates its affecting my credit please help me DELETE this negative remark. The collection that needs to be REMOVE will be listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


This account is in violation of 15 U.S. Code 1681e - Compliance procedures.

PLEASE DELETE.

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 2019-03-20
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing the same account on my credit file with XXXX, Exuifax and XXXX. The account was opened in XX/XX/XXXX. It was paid off in XX/XX/XXXX per my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XX/XX/XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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: Account information incorrect

Complaint:
I have an account on my credit file that is reporting wrong information. This account was closed and paid off. The account is not past due and is having a negative impact on my credit score. The account information is as follows : XXXX XXXX XXXX XXXX Account number : XXXX Please update or delete this information immediately. 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
HI, THESE INQUIRIES SHOULD HAVE BEEN REMOVED OFF MY REPORT, IT IS NOT FAIR THAT I HAVE TO SUFFER FORM FALSE REPORTING INFORMATION, PLEASE CAN YOU FIX THIS AND REMOVE ASAP 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 2019-02-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/2019 and XX/XX/2019 funds were electronically sent to PayPal for the purpose of being available for a secure purchase under a promotional opportunity from PayPal offering 24 months on purchases with no interest which has an upcoming expiration date of XX/XX/2019. At the time the deposits were made there was {$3000.00} available to use. The purchase was for {$4000.00}. A request for an increased credit facility from PayPal was declined.

The transactions in this complaint have all been transactions in USD from US FDIC insured banks to PayPal between US based companies.

PayPal will not respond directly to a request for increasing the credit line. Their process is " try the purchase and if it works you're all set. '' The issues here are : 1. My FICO credit score is XXXX and I have never been late with PayPal in the numerous years I have done business.

2. My income is {$270000.00} annually.

3. No reason was provided for the refusal of increasing the credit line.

4. The monies paid have been deducted from my bank account on XX/XX/2019 and reflect " processing ''. The funds are not available. This is the same bank account that payments are made from for numerous years.

5. The funds are neither in my bank account to use for the purchase nor are they available for the purchase in PayPal.

6. The delay causes harm in denying the availability of the promotional offer.

The representatives at PayPal will not do anything to investigate, expedite or otherwise relieve the tension between the availability of funds and the conclusion of the promotional program. This is a service, finance and technology company. The restriction of the availability of funds is avoidable and inconsistent with generally acceptable policies by other finance companies.

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 2018-04-20
Company: Experian Information Solutions Inc.
State: CA
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:
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX Services number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.

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 2018-10-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I originally mailed a letter to TransUnion on XX/XX/XXXX to dispute negative information on my report by the US Bankruptcy Court regarding two bankruptcies listed on my report ( this letter is attached to this complaint for your review ) .The letter was signed for on XX/XX/XXXX. TransUnion 's deadline to respond to my dispute was XX/XX/XXXX. I had not heard from TransUnion by the deadline date of XX/XX/XXXX, so I sent a second dispute letter on XX/XX/XXXX, which was signed for on XX/XX/XXXX ( this letter is attached to this complaint for your review ). During this time I received a response letter from TransUnion on XX/XX/XXXX dated XX/XX/XXXX verifying the entry being reported under the U.S. Bankruptcy Court, which is way past the response deadline of XX/XX/XXXX ( this letter is attached to this complaint for your review ). TransUnion to this date has not responded to my second dispute letter dated XX/XX/XXXX. The deadline to have respond to my second dispute letter was XX/XX/XXXX. As you can see TransUnion is unwilling to properly investigate my dispute within a timely manner and has chosen altogether not to respond to my second letter I sent to them. They are in complete violation of the FCRA rules and must delete the inaccurate reporting of the two bankruptcies outlined in my credit report asap.

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 2023-04-17
Company: EQUIFAX, INC.
State: GA
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:
15 U S C 1681 section 602 A, states I have the rights to privacy 15 U S C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 non-monetary relief
Consumer complaint received 2021-05-02
Company: EQUIFAX, 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}.

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 ) -- AUTO LOANS OR LEASES 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally purchased my home in XX/XX/XXXX for {$170000.00} ( new  construction home ), and financed with an FHA through WellsFargo. I  refinanced through the HARP program, also with WF. The woman came to my office in XX/XX/XXXX and stated I did not need an appraisal and just needed to rerun a credit report to finalize the refinance. I signed the papers in XX/XX/XXXX and my refinance was complete. Included in my packet was a form stating I had a right to a copy of my appraisal, but they claim one was now not done. My original appraisal of my home was $ XXXX. I have been paying PMI since XXXX, and have no missed/late payments. Now that my loan is around $ 140K I decided to call and see when I could remove PMI. WF has told me repeatedly the value of my home at time of refinance was {$130000.00}, which is ridiculously low, as my house is worth well over that amount and always has been being a new construction home where the values are all increasing. They have told me that was the value when I signed and agreed my home was worth per an appraisal done by the investor that supplied the loan. They now claim I have to pay another $ 34K+ toward my loan before I reach a 78 % LTV ratio to remove PMI, which would be years. They are also telling me I need to pay for another appraisal to the tune of {$550.00} to remove the PMI if they value my home higher, which I have no doubt it will. I believe WF put the low number on the value of my home to force me to continue paying PMI for years to come. They have been repeatedly asked to provide proof of how they came up with the value of my home and they can not provide it and will not. I have talked at least six times to people on the phone at WF and receive the same answer. My home on the tax website for my county interestingly lists the building value at {$130000.00} and the land value at approximately $ 30K, totally over {$160000.00} for the building and land combined. I believe WF just took the number listed for the building and inserted it on my paperwork and  never made me aware of what they are doing in an effort to trick me into a lower value on my home. I am attaching all documentation. I have been dealing with this since XX/XX/XXXX and believe this is part of their deceptive practices with regard to PMI and mortgage refinances.

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 2017-09-15
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been living in XXXX, IL for about three years and decided to buy a house near XXXX this year. I contacted several lenders and finally used Guaranteed Rate ( " GR '' ) as my lender. They went through the application process and set the closing date on XXXX/XXXX/XXXX. From it I encountered a couple of very bad experience with GR : 1. GR failed to send me the required document, which resulted TWICE closing date delay. From XXXX to XXXX. And then XXXX to XXXX. I had to rearrange the furniture delivery, floor refinishing, moving date, and XXXX inspection. 

2. GR failed to obtain my and my wife 's tax return because they did not send the correct address. In the end I and my wife obtained our tax return and sent to them. They could not get this easy job done. 

3. I paid {$420.00} for appraisal fee to GR and GR promised it would refund it to me. I have not received it. I asked GR and they told me it was refunded at closing. I sent them the Closing Document to prove the {$420.00} was not refunded and they were wrong. No response thereafter. 

4. Because of the twice delays, GR 's sales manager, XXXX, talked with me and promised to give me a " sorry credit '' of {$560.00}. I have not received it. I waited one month after the closing and called my contact at GR. He hung up on me and said he did not know what XXXX promised to me and let me talk with XXXX. One day after, the other staff at GR told me XXXX was no longer working at GR. All staff at GR were trying to avoid me. 

In conclusion, GR did not refund me {$420.00} and did not send me {$560.00} as its promised " sorry fee. '' I did not receive a response from its manager, and I do n't believe I can solve this problem with GR by ourselves. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX has 7 hard inquiries on out XXXX, Experiean, and XXXX credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion credit reporting keeps dropping my score. On XX/XX/XXXX they drop my score 6 points because 3 old accounts were removed. On XX/XX/XXXX I pay off two accounts totals of {$800.00} and one was removed XX/XX/XXXX and the other its still showing on my account as unpaid, and my score hasn't changed.. I'm getting emails for credit monitoring service from this company. This is not the first time this has happen, I have to watch my credit like a hawk or they lowering it for no reason. This is unfair and I'm sick of it. Unfairly reporting and than the nerves to send emails offers to correct or improve your score. This seems to be a practice of theirs I put in an complaint for the same reason in XX/XX/XXXX. They also have me as 5 years in credit age nothing could be father from the truth Ive had credit of some kind for at least 30 years. It seems that they trying to keep my score under 750. My payment history has been 99 % for more than a year.

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: 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: Old information reappears or never goes away

Complaint:
XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation