BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
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: Account information incorrect

Complaint:
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.

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 2019-06-11
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for and was rejected for the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF  ) Program. However, I have documentation from the USDOE stating that I am eligible for the program and meet all of the criteria. When talking with agents at the call center about my situation I am told a number of many things as to why this may have happened but even with providing more documentation and ensuring that the information I am submitting is accurate I am not getting any new answers. The information given to me is often erroneous and have pointed this out to agents nearly every time I call. My case has been " escalated '' by FedLoan Servicing yet even that agent is unable to provide accurate information and seems to be confused about my case and what exactly is the issue. I am interested in finding out my options, as it relates to the abysmal implementation of the TEPSLF program. I have all of the proper documentation that shows I am qualified for the program and quite frankly a " textbook '' case of the borrower the spirit of the program is suppose to help. I have received tons of misinformation from FedLoan about the process that has created unfavorable results for me and many other borrowers. I am wondering if there is a viable option for a resolution I may not be aware of. Thank you in advance and I am more than willing to share more details and any additional information that would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Finacial Service and XXXX XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Financial Service does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. Toyota Motor Credit and XXXX of XXXX XXXX. This should only show as one hard inquiry as Toyota and XXXX XXXX XXXX is the same company ( Toyota Motor Credit does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe XXXX XXXX, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this 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 explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX CXXXX XXXX  XXXX XXXX XXXX XXXX placed my account to the credit bureaus for a eviction which at the time I was covered under the XXXX XXXXXXXX in Nevada. I filed to have this matter sealed with XXXX XXXX justice court the case # is XXXX this record has been granted and sealed and should be removed from my public records and credit report please see attached

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 2018-06-18
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear XXXX I am responding about a debt you are trying to collect in the amount of {$150.00} that appeared on my credit report which has grossly lowered my credit score. This debt is parking or re-aging, I have made a complaint about this debt already with ID # XXXX and debt was paid on XX/XX/2018 to the original creditor XXXX XXXX in the amount of {$150.00}. please removed this debt from my credit report immediately.

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 2017-11-10
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:
Equifax refuses to remove addresses that are n't mine. Remove accounts that are n't mine. Continue to add accounts to my report that are n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XX/XX/2018 I Called XXXX XXXX and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO XXXX PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT XXXX 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
XXXX XXXX HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
XXXX WEEK OF XXXX I CALLED XXXX XXXX EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A XXXX XXXX EMPLOYEE THAT THE XXXX STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. 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 2018-09-24
Company: EQUIFAX, 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:
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX/XXXX   Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requested debt validation concerning an illegitimate account by the name of XXXX XXXX University reporting to my Trans Union credit report. I originally sent a certified letter to XXXX XXXX University, and then to Trans Union requesting that this debt be validated, and if not, that it be immediately removed as this was never a debt of mine. 

I received notification that the debt validation request was received, however, the debt has not been verified. It has been over 30 days.

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 2017-11-10
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
11 years ago I used to have a property in New york, the crisis started, I divorced and included an FHA mortgage with XXXX in XXXX XXXX # XXXX for years they offered to refinance and keep the home, my ex wife never won't.. 3 months ago suddenly a debt collector call SHELLPOINT report a mortgage in credit report, for  {$560000.00}, originated in XXXX paying XXXX and late more than 120 days for XXXX consecutive years, mi XXXX score was XXXX before they include this lies, I never apply for mortgages after my bankruptcy. Now mi score XXXX, all my creditors start increasing and closing accounts, I called them and ask to send my bankruptcy papers, I send it in XXXX, but they 're arruining my financial life, reporting late payments. I am loan officer and can I can loose my license. I called again and they still are investigating, I dispute with the credit bureau, no answer yet, and my credit keep going down, please help me. I never request and signed nothing. nothing. all that information is NOT TRUTH.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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:
After numerous disputes and method of verification requests Experian still verifies information reported from XXXX XXXX as accurate. 

XXXX  and XXXX  both deleted information reported from XXXX XXXX from my credit reports after they could not provide information on what they based their reporting on. 

I sent them copies of certified mail receipts where they did not respond to my M.O.V. request within the required times and where they committed several Fair Credit Reporting Acts violations and they still continue their willful noncompliance. 

Enclosed are copies of some of my correspondence with them.

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 2017-11-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX finance and another company has two recent hard inquiries on my credit report that I did not authorize

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 2018-11-13
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened an account with Citi to receive a XXXX bonus. Here is a timeline of the events : XX/XX/18 Opened Citi Checking and Savings using offer code. 
XX/XX/18 Funds electronically transferred XXXX to checking and XXXX to savings per the requirements. 
XX/XX/18 I qualify at this 60 day mark but I need to leave funds there until XX/XX/18 aka 90 days after qualifying. 
XX/XX/18 I did online chat with Citi verifying that everything was in place and was told funds would be deposited on XX/XX/18. I saved the text of this chat. 

XX/XX/18 Viewed account and did not see bonus. Citi opened an investigations but they admitted they should have applied the bonus. Their back office is determining why. They said Id receive an email from back office by XX/XX/18. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 I did chat again where told email would be there soon. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Chat again and was promised email by XX/XX/18. I saved the text of this chat. I did not receive an email and I verified they have my correct email address. 

XX/XX/18 Still waiting on an email from back office. 

XX/XX/18 Still no email regarding bonus so reached out to you at consumerfinance.gov for assistance.

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 2017-11-10
Company: EQUIFAX, 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:
Fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Have police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed inaccurate information on my consumer report since 2020 and have been told my by TransUnion, XXXX, and XXXX that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been 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 non-monetary relief
Consumer complaint received 2018-06-18
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled up my credit report and show a debt owed to XXXX XXXX XXXX, when I contacted them I was instantly told I was being transferred to a supervisor since I didn't not want to disclose my full ssn, once someone picked up I briefly spoke to a XXXX that advised this was a debt from XXXX XXXX which I show on my credit was charged off on XX/XX/XXXX, but XXXX is showing them I owe as of XX/XX/XXXX. I have never received any phone calls nor letters from XXXX nor was I aware of them until today XX/XX/XXXX. when I spoke to XXXX she informed this was being handled my a specialist and I needed to be transferred at that time I held until the phone hung up. I do not see how this company ( XXXX XXXX ) can report a debt onto my account that I am unware of and also without contacting me to try and verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Homes By Hunt LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please See Attachments Based on my experience, I am requesting that an investigation reveals the routine, daily practices of Performance Mortgage ( Corporate NMLS # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I'm confident that the ratio between " non -white '' loan applications and " non-white '' loan approvals are very low. In contrast, I'm sure that the ratio between " white '' loan applications and " white '' loan approvals are very high. If this is true, then what happened to me makes sense. I'm hoping to uncover a routine practice within this firm that discourages, or overburdens " non-white '' applicants until they give up from exhaustion, or take their business elsewhere. 

Hopefully you agree that the mortgage loan officer has the power to share or withhold pertinent information that could make or break a deal. Communication documented in the 10 digital XXXX threads prove, that the mortgage officer was the only reason that a lender did not approve me for a loan. Note : Performance Mortgage and I, have access to the digital e-mail threads. Please provide an e-mail address so I can forward this information to the CFPB employee that will be handling this case. 

Thank You XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with WELLS FARGO, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and WELLS FARGO, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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