BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Lowe 's credit card and received instant credit with a {$1000.00} limit. After about 6 months after my account was already at {$380.00}, I was informed that they had reduced my credit limit to {$380.00}. Then after being around eight days after the due date of the XXXX, I got my bill and realized they didn't give a ten day grace period which is normal with all of my credit accounts. I then tried calling several times trying to talk to someone about changing the due date so it would correspond with when I get paid as I have been having it hard financially since my XXXX benefits were stopped unlawfully by XXXX. I was unable to reach a live person. Instead of adding interest for a late or missed payment, Lowe 's doubles the amount of the payment making it even harder on someone to maintain their account. They then closed my account a couple of months ago but keep adding the payment amount of {$40.00} each month, then doubling it, etc. This is a very unfair practice of a credit card company. When I called this morning to try to work this situation out, the man kept avoiding the issue at hand and kept claiming my account # wasn't correct even though I read it first off the card. He said I needed to read it off the statement, so when I got one he claimed it still wasn't correct. He kept avoiding the unfair practice of Lowe 's. I ended the call at that point.

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 2020-07-27
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written multiple letters to this company asking them to identify themselves and explain why they are on my credit report, they have not responded. I have rights! The FDCPA and FCRA are both extremely clear! They have to send me information. PLEASE HELP ME!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: CT
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:
The accounts they have on file are incorrect and they are affecting my personal life, my workplace, my access to insurance, and all of these have put me in unsafe and terrible living conditions. My ex wife and child is now being effected by these false items on my 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved

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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX  XXXX XXXX XXXX XXXX loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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

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 2022-10-05
Company: EQUIFAX, INC.
State: WA
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 this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. Also 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020, a final inspection was processed reflecting 100 % completion to the property for damage due to smoke and water. MidAmerica Mortgage has yet to release the balance of insurance claim funds held in the amount of {$22000.00}. Numerous calls and emails have been made to their customer svc dept, loss draft dept, and to the president ; however, no one knows why the funds have not be released or when they will be released. They are in violation of Texas Insurance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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: Account information incorrect

Complaint:
I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on Experian and on XXXX it states the date is XX/XX/XXXX. Experian shows the account as Open and XXXX shows it as Derogatory, these are inaccurate entries. Experian also shows the last payment was XX/XX/XXXX and XXXX shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both Experian and XXXX to verify the fraudulent entries on my credit report. I request immediate removal of this item off 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 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-05-18
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got my case XXXX which was held in court and dismissed by the judge on XXXX. Please remove that Debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR
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:
MUFG Union Bank Purepoint is mistakenly reporting a late payment in XXXX 2022. Please see attached a transaction history from my bank showing proof of payment. Please recall the late payment asap. Thanks.

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 2020-07-27
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My car loan finance company changed in XXXX. The company I originally financed my company with closed. 

I financed a XXXX XXXX XXXX. 

I financed the car for XXXX. My payment amount is XXXX with a 25 % APR for 50 months. 

The interest and principal on the loan is supposed to go down each month. However, the amounts are inconsistent. Some months I'm not charged a principal, just interest. Some months the the interest exceeds the principal. ( Please see the document attached below. ) I have called customer service on numerous occasions and none of the customer support representatives or supervisors can explain the variations and why the amount still owed on the loan is still XXXX when the finance amount was XXXX. 

I have requested that my original contract be provided to me with various reps and no one is willing to provide me with those documents. 

I believe my principal and interest charges are incorrect and that they have been overcharging me and nothing has been paid towards the car loan because they have excessively continued to overcharge me with principal and finance fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Inquiries that I did not authorize. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

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 2020-01-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
About a year ago our payments to the house were XXXX. and then they went up to over 1500.00 and then XXXX Now they are saying we don't have enough in our escrow account. But our mortgage statement states they charge us XXXX monthly for our escrow account, so in reality, that amount times 12 months is like XXXX, so why is there not enough money? To date I am short they say at XXXX. We initially thought that the insurance was the one overcharging but after we switched over to another company just 2 months ago, our escrow account remains the same. Now we did save some money by about 500.00 monthly on the new insurance but the escrow acct. remained the same. Now I don't want to lose my home,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CORELOGIC INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2017 called company and did not get any response and inquire was not removed from 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-07-15
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I received a call from " XXXX XXXX '' at Harvard Collection Services LLC claiming that I allegedly owe a debt to their client, XXXX XXXX XXXX XXXX for a purchase made under my name with XXXX  on XX/XX/XXXX in the amount of {$410.00}. During the call, I asked her for information about where the company 's office located, who she was employed by, and whether her client claimed that it owed the debt. She stated that Harvard had an office in Illinois but refused to provide any information on XXXX XXXX. She finally admitted that she was calling from XXXX. Ms. XXXX was nearly impossible to speak with because she continuously spoke over me and then told me that under the law " I did not have the right to speak. '' I told her that I did indeed have the right to speak. Ms. XXXX asked me if I was " affirming the debt '' and " agreeing that I owed the debt. '' I advised Ms. XXXX that I did not have any record of such debt and that her actions were illegal under the FDCPA and the FCCPA because she was attempting to convince me into affirming a debt after I had advised that I disputed it and refused to acknowledge that the debt was not legally enforceable under Florida 's statute of limitations, Fla. Stat. 95.11 ( 5 year statute of limitations on debts based on written contracts and 4 year statute of limitations on debts based on oral agreements ). At this point she became enraged and insisted that her company " followed all the rules '' and that " I owed the money and should just pay the debt. '' When I attempted to explain how the statute of limitations works, she refused to listen to me and transferred me to her supervisor, " XXXX XXXX. '' Mr. XXXX reacted likewise when I advised him that I disputed the debt and that I believed his scheme was an attempt to trick consumers into affirming a legally unenforceable debt and restart the statute of limitations. He represented to me that he knew how everything worked with Florida 's statute of limitations and that I knew nothing and that I should not speak on the subject. Like Ms. XXXX, he became enraged and started to make abusive comments when provided him with a citation to the statute. I requested that Harvard Collections stop calling me. I do not have any written communication from either Harvard Collections or XXXX XXXX in my possession.

Company response to consumer: Closed with explanation