BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
2 problems : -Account is too old to be reported its been more than seven years since the car was voluntarily surrendered. It was brought to the dealership in XXXX XXXX California in XX/XX/2017. It is now more than seven years since the car was surrendered. 



-Account was never repossessed it was voluntarily surrendered, However company keeps sending erroneous information to XXXX XXXX which is otherwise. Also, as I stated before account is too old to be reported, its been more than seven years since the car was surrendered by 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 2018-02-12
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The original loan for a new home purchase was through XXXX XXXX  who then sold off the loan to XXXX. My wife was qualified on her own for the mortgage initially and then her job and income changed dramatically due to unforeseen circumstances. Once we had trouble meeting the mortgage we contacted XXXX to explain the situation and the change in income. They offered us a forbearance plan for 3 months which we met the conditions and paid the required amount on time for the 90 day period. XXXX then said they wanted to work on a '' Loan Modification '' for us which started in XX/XX/XXXX. When I went to make the monthly mortgage payment we were blocked from paying through the website as we had done in the past. When I called them to make the payment I was told by them that no payment can be accepted during the Loan modification process. I again tried to pay n XX/XX/XXXX and was told again they could not accept. We just got a notice from them that the Loan modification was denied for the reason we did not respond in time. We responded immediately and on time to every request we had from them and have records and copies of everything showing we did. They have allowed a large debt to grow for failure to accept the payments we attempted to make every month. They are all over the internet for fraud and deceptive business practices and feel they are trying to set us up to take our home.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-11
Company: EQUIFAX, INC.
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX & XXXX XXXX  XXXX XXXX : {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported 2 different accounts on my credit report in XX/XX/2019, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX - Car loan w/Chase Bank Beginning balance {$29000.00} / {$530.00} mo. / 60 mos / 3.49 % int rate. 
First pmt due XX/XX/XXXX. Established automatic pmt of {$600.00} through XXXX  starting XX/XX/XXXX. 
Interest discrepancy noticed from XX/XX/XXXX payment. Called Chase Bank in XXXX ( do not know exact date ) and was informed that the XX/XX/XXXX payment was paid on XX/XX/XXXX and the next payment wasnt received until XX/XX/XXXX, so, this caused an increase in accrued interest. I was not satisfied with the answer so consulted with the person who processed our contract at the dealership. He explained that wasnt uncommon, but I could avoid extra interest by setting up a bi-monthly payment plan. I started automatic bi-monthly payments of {$350.00} thru XXXX starting XX/XX/XXXX XXXX payments on the XXXX and XXXX of each month ). Next discrepancy noticed on XX/XX/XXXX when a total of {$110.00} interest was taken between XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX payment paid early because of holiday ). My husband and I both talked to customer service on XX/XX/XXXX and were told extra interest was not taken from the account. Explanation not to our satisfaction. All payments submitted on time with additional principal. Why is interest increasing on a declining balance? Total pmts from XX/XX/XXXX - XX/XX/XXXX is {$3800.00} / interest {$490.00} with a balance of {$25000.00}. The estimated difference is approximately {$50.00}, give or take, but to see a discrepancy so early in the payment process is alarming. Is additional principal applied to interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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:
The XXXX XXXX account # XXXX is reporting incorrectly to Equifax. Equifax claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that Equifax remove this item immediately from their consumer report containing my information. EQUIFAX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how EQUIFAX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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:
We where given 2 financial deferments in a course of one year for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. After 29 calls I spoke to a representative in collecting department of XXXX XXXX  I was then granted another deferment for XXXX and XX/XX/XXXX because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. Doing the course of our loan XXXX XXXX reported 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments. My Husband took ill an I was working out of town and he was not allowed to make payment to the bank without my drivers licenses or ID so we paid in lump sums. we was told we was still behind so we ask for a deferment to catch up we made our first payment XX/XX/XXXX XXXX was our fist payment of {$560.00} missed XXXX he was not allowed to make payment in bank for me we also missed XXXX {$560.00} XXXX was missed the bank card used was not allowing payments once we found that out we paid {$1700.00} in XXXX XXXX to cover past due XXXX was missed we thought we paid enough to cover payment. XX/XX/XXXX we paid {$560.00} XXXX we paid {$1700.00} and XXXX we paid {$1700.00} this would bring the balance to {$5700.00} XXXX XXXX  granted the deferment our next payment was to be made in XX/XX/XXXX when we went to pay on the account we discovered that the account had been locked and that they had reported that our last payment was made in XX/XX/XXXX the Charged the account off is XXXX the never contacted us by mail or phone. we have still not heard from this company we have filed several complaint and would I need answers and Feed back on all complaint we have tried refinancing the truck to be told that they are unable to assist us we have had Attorneys to contact them financial company and etc. no letters no calls no response but they are reporting on my credit as 2 different banks XXXX and XXXX the only response I get is when I file a complaint with CPFCP they are committing credit fraud and this loan need to be removed ASAP off my credit and I would like a call or a letter explaining to me about what happen to my loan.

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 2022-02-22
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-22
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/ 2018, I initiated a wire transfer with my bank. The wire transfer authorized {$10000.00} to be transferred to XXXX XXXX to be deposited into my Coinbase account. The wire was completed that same day. However, its been several days later and the funds are still missing from Coinbase Account. Several attempts have since been made to contact the company via phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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:
My credit report on Equifax showed error code NH and error code BLNK. They refuse to fix the problem. I called XX/XX/2023. Equifax is a XXXX and XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-03
Company: Experian Information Solutions Inc.
State: MA
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:
Good Evening XXXX Mgr ; XXXXExperian and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this XXXX account # XXXX Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.

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 2023-04-17
Company: EQUIFAX, INC.
State: MI
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:
Inaccurate and outdated information for the following accounts is still being furnished to my consumer report after I asked for a proper investigation. 

Date of birth XXXX Work History : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2023 a Unauthorized inquiry was made to my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: NE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( EQUIFAX, XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX. ( XXXX, EQUIFAX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( EQUIFAX ) XXXXAccount name : XXXX, # XXXX XXXX ( XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX, ( XXXX, EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX, ( EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX # XXXX, ( XXXX XXXX XXXX. Account name : XXXX  # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX XXXX  # XXXX, ( EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

2. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

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 2021-06-23
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation