BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
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:
XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} TRANS UNION XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX TRANSUNION XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/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 explanation
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
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:
I brought my XXXX mini van in to be repaired at XXXX XXXX in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I  asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX XXXX XXXX XXXX XXXX of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions 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:
I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with XXXX, Experian, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it 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 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-03-28
Company: FinCo Services Inc DBA Current
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My account was randomly closed for no reason on XX/XX/2023 and on XX/XX/2023 I got a direct despot sent to the same account in the amount of {$550.00} on XX/XX/2023 I reached out to them asking them what was going on they responded saying that they was investigating my account and they will give me an update on what was going on with my account since then I have reached multiple times regarding this matter and they keep giving me the run around on XX/XX/2023 they emailed saying they sent {$470.00} to XXXX and they have no further information from me I reached out to XXXX XXXX and they said they need a trace number to look up the funds so I reach back out to current ( XXXX XXXX XXXX ) they said stated they dont have a trace number and no further information to give me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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 belongs to someone else

Complaint:
On aboutXX/XX/2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been sick since the beginning of the year where I was hospitalized in XXXX for 2 weeks I started to get better but due to the lack of income I had to defer two payment back in may I have exhausted all savings and so has my family I continued to make my payments in XX/XX/XXXX through XX/XX/XXXX as I went back to work however in XX/XX/XXXX my doc advised that my XXXX was dropping again due to the XXXX attacking my XXXX XXXX it is throwing my body out of whack well my doc said I need XXXX again or I could XXXX so I have been doing them since XX/XX/XXXX they cost me over 300 each round because I chose the high deductible medical plan I called gm and asked for another deferral because I do n't want to loose my car I need it to get to work and doc appointments I have been waiting on a response for two weeks when the last corp rep advised me not to worry to get a sup involved and they will help me due to my hardship. next year I will be ok because I will have better insurance that will cover my medicines and my XXXX it will cost me more per pay period XXXX dollars per paid period that is why I am asking for assistance because I forsee the problem I am out of money I cant even afford to give my kids a XXXX I did n't ask to get sick but now that I am I have to deal with it the best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed that the below fraudulent accounts were posted on my credit reports. I have never had any services with XXXX XXXX and do not own this debt. Never received any paperwork about this, no requests, nothing. Asking to have this deleted from my credit files as this is not mine. 
XXXX XXXX. 

EVERGREEN PROFESSIONAL {$4300.00} Reported balance Original balance {$4300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name XXXX XXXX EVERGREEN PROFESSIONAL Last reported Apr XXXX, XXXX {$900.00} Reported balance Original balance {$900.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original creditor name 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 explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. XXXX XXXX  XXXX sent me and filed with the credit bureaus that I owe {$560.00} to Citi and XXXX. I blocked my card at a Citi bank and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted XXXX and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which Citi never returned to me. I have sent paperwork to Citi and XXXX to show that I was in prison and I had locked my card but 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 explanation
Consumer complaint received 2019-04-25
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I are XXXX and XXXX, and our only source of income is {$3500.00} a month in Social Security.  We both receive our SS on the third Wednesday of each month which means we receive it on the XXXX at the earliest or the XXXX at the latest. We receive SS on a Federal Debit card and we have to go to the bank to transfer money to our checking account before we can write a check for our mortgage. NewRez appears to start charging a late fee of 5 % on the XXXX of the month. I think this is exorbitant but I can not change when I receive Social Security so I will end up paying an additional 5 % on my mortgage payments over a years time. In just two months with them they say they credited {$81.00} to penalty on my XX/XX/XXXX payment ( an overpayment which should have been credited to my principle ) and charged me {$34.00} late payment on my XX/XX/XXXX payment. What I am seeking is a waiver of any late penalty unless its received after the first of the following month. I pay my mortgage payment every month and have not defaulted in the last five years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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:
I sent several disputes to all three consumer reporting companies, XXXX, Experian, and XXXX  for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.

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 2019-04-25
Company: Servis One, Inc., Titusville, PA Branch
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: Account information incorrect

Complaint:
XXXX XXXX XXXX incorrectly report late payments made as agreed and mortgage balances. I have complaned on this issue several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good morning, as i viewed my report i have noticed multiple errors that i would like to address as for they maybe impacting my credit ; and that's not fair to myself. 

the year i was born : XXXX only not XXXX my formal name is : XXXX XXXX XXXX not XXXX XXXX XXXX not XXXX XXXX , not XXXX XXXX , not XXXX XXXX  not XXXX XXXX i have not resided at any of these locations listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Only address that i reside in is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX my email is : XXXX not XXXX nor XXXX and, y phone number is : XXXX not XXXX thank you for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My credit reports are listing a bankruptcy from Experian, XXXX  , & XXXX  and all 3 bureaus are saying that XXXX is the furnisher. I wrote XXXX ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like XXXX. I have the letter to prove it. 

Then I wrote Experian, XXXX, & XXXX  ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.

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 2020-05-04
Company: Experian Information Solutions 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 2017-11-28
Company: Brightfunders, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Initially contacted them via a recommendation from XXXX XXXX. I first contacted them on XX/XX/XXXX. Today is XX/XX/XXXX and this was the last straw. It has been almost 3 months and we still have n't closed. 
I took the day off today to await a notary that was never going to show because XXXX XXXX never contacted me for 5 days to let me know the notary was not available. So now they are rescheduling the notary again after I was told they would be available last Thursday or Friday which I found odd seeing as how it was XXXX. On Friday I was told they would be available today. After waiting 30 minutes past the scheduled appointment time I reached out to XXXX to find out who the notary was. It was then I was told the notary would not be available today. 
Granted I got XXXX XXXX by the VA Loan Appraiser and that took forever to resolve, only to get the same lower appraisal than last year even though the market had gone up 10 %. It took repeated emails and calls to get any information and the communication back was less than customer oriented. 
I had to take a day off to wait for this no-show notary and I requested them to reimburse me the {$560.00} it cost me to take off for the day. I was offered initially 0.125 % lender credit of the loan value ( {$220000.00} ) which is about {$280.00}. XXXX said he would bump the credit up to equal the {$560.00} it cost me today. I do not trust that to happen but will wait and see. 
I was told in each previous month I would n't need to pay for my XX/XX/XXXX or XX/XX/XXXX mortgages because we would be closed before they were due. Glad I did n't follow their advice and continued to pay my mortgages when the refi closing dates kept slipping.

I can not emphasize enough how much to avoid this company at all costs. Do NOT get any type of loan from Homeside Financial, even if it is a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted but no successful resolution was provided nor feedback was heard from the concerned Bureaus. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Otherwise, REMOVE this account completely from my personal report. 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