BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX XXXX  account : XXXX ( TOTAL XXXX  CREDIT CARD ) ( PLEASE UPDATE/REPORT THE CORRECT BALANCE! ) Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern ( TRANSUNION ) : PLEASE UPDATE MY CREDIT CARD REPORT DATE FOR THIS MONTH OF XXXX. THE OLD BALANCE OF XXXX IS STILL BEING REPORTED FOR MONTH OF XXXX. TODAY AS I'M WRITING THIS LETTER ITS IS XX/XX/XXXX. PLEASE UPDATE & CORRECT THE BALANCE to {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT BALANCE & DATE! The Current banlance being reported as of XX/XX/XXXX is not correct balance. That balance is not {$270.00}. In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update and report the correct balance for month of XXXX to {$49.00}. ( XXXX XXXX XXXX XXXX  ( TOTAL XXXX  CREDIT CARD ACCOUNT ) to current. As I am writing this today, today 's date is XX/XX/XXXX. XXXX XXXX XXXX XXXX  account : XXXX has reported a balance of {$49.00}. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Transunion have failed to update my CORRECT BALANCE. I have spoke with XXXX  XXXX XXXX XXXX, and they said they have been reporting since XXXX all the way to the month of XXXX WITH A BALANCE OF {$49.00}, but when I check my credit report, its the wrong balance. The other credit bureaus are reporting the correct balance, so please do your job correctly and report the correct balance closing date balance. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX  account : XXXX I will sue you in court for Defamation of character. I HAVE DOCUMENT FROM XXXX XXXX XXXX XXXX ATTACHED THAT CLEARY SAYS THE CLOSING STATEMENT BALANCE AMOUNT OF {$49.00}. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT BALANCE OF {$49.00} : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO THE CURRENT BALANCE OF {$49.00}. 



Thank you for your time and help in this matter. Sincerely, 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 2023-03-06
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 Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: MI
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 XXXX Account : XXXX has violated my rights. 

I have reviewed my payment history and I believe he late payments on my account are not accurate. I would like the late payments removed from my account. 

15. U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: FIRST NATIONAL BANK OF OMAHA
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
i had an XXXX XXXX bank credit card tbat i closed out due to high interest. i had paid off the full balanced via the XXXX statement due on the XX/XX/XXXX. The psyment was processed on the XXXX. Benounced to me there was interest still accruing up to the date of payment and received a statement. i believe this is misleading and unfair practice. payment in full was made before the period ending. so, i called in to ask about a possible waiver due to only interest accrued and they would not consider indicating it is fair practice due to this being a revolving line. why provide payoff on the statement if you are going to have interest accrued daily. you might as well indicate to call in for true payoff. i understand if i had a cash advance. i feel this bank is taking advantage and making money off of their customers indicating we should payoff our statement the day the statement is generated to avoid any fees ... ..Wrong perception provided to customer ... .XXXX XXXX is a good bank but the bank they work with to handle their credit cards are crooks ... XXXX XXXX ... ... ... they would not waive the fee indicating it was fairly charged????? the account was paid off and closed ... ..and no fee waiver in the past ... XXXX what is {$39.00} snd they quote it cant due to fairly assessed. ... ..not if the statement amount is paid off before the due date. why provide due dates if this is the csse. you should jist indicate on your statement tp avoid fc pay the statement in full on your cycle date to avoid fees ... ..unfair practice ripping off customers ... ..high interest and then rip off customers with finance charges ... ... fdic should look i to this

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 2023-06-12
Company: Experian Information Solutions 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:
To who this may concern, The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being reported inaccurately on my credit report. I ask Experian LLC to verify multiple documentations in which they failed to provide me with. I ask for the following documents as follows ; 1. Original contract baring my wet signature 2. Credit insurance 3. Payment history 4. Interest rate disclosure 5. Balance history 6. Payoff disclosure Documentations was never provided to me and I will like for Experian to provide me with these documents for proof of validation of accurate reported information.

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 2017-06-19
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I TOOK OUT A LOAN WITH SPOT LOAN IN  XXXX  OF  XXXX  AND THEY WAS DEBIT MY BANK ACCOUT  XXXX  EVERY  TWO  WEEKS WHICH WAS EVERY PAY DAY AND HAD A INTREST RATE OF 625 % WHICH I DID N'T NO I NEVER SPOKE TO NO ONE THEY NEVER CALL I EMAIL BUT NO RESPOND I GOT A FRAUD ALERT FROM THE BANK AND WAS ASK TO CLOSE MY ACCOUNT BECAUSE OF DIFFERENT L OAN IDS FROM THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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:
XXXX is reporting derogatory information on my credit commercial file that does not belong to me and said that they are not regulated by anyone because they are different from other bureaus, but they just report anything on your file without any questions, I never purchased a commercial truck for XXXX dollars so how can someone report that to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: QUALITY ACCEPTANCE LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Illegal collection and repossession practices. Threatening to have me jailed, calling friends and family letting them know loan information, and defamation of character to my friends and family trying to get them to tell the lender where i am after i already told them to have the repo company call me for the location of thr vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX/XX/XX/XXXX my account was updated to reflect that I did not want any calls from this company to my job or any phone numbers that I am associated with. I have recently received 3 phone calls to my job from this company. The 1st call was on XX/XX/XXXX at XXXX XXXX. The next call was on XX/XX/XXXX at XXXX XXXX. I told the agent that there is already a cease and desist on file and his company should not be calling this number. He stated that he would update the account and I would not receive anymore calls. On XX/XX/XXXX I received a call from this company at XXXX. I am now feeling harassed by this company because I have asked them to stop calling and they have refused to do so. They are calling about a XX/XX/XXXX vehicle that I have traded in. The payoff has already been sent to this company by the dealership. My employer does not allow any personal calls and this company continues to call. I want all calls to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX  XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET

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 2023-01-18
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a copy of my credit report and the following account is in error. This debt has been reporting late payments after the creditor has charged off this account as bad debt. 

Victoria Secret acct # XXXX Why am seeing a balance after it was a charge-off status? Please remove this immediately. 

By the provisions of the Fair Credit Reporting Act. I demand that this item be investigated and removed from my report understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand that under FCRA 15 U.S.C. Sec 1681s-2/ ( a ) ( 1 ) ( a ) you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a debt on my credit file for a XXXX XXXX XXXX, and listed with this collections agency CONVERGENT OUTSOURCING , INC . I have never had any services with XXXX XXXX, I work for XXXX XXXX XXXX and I get FREE XXXX and Cellular service so I have no need to pay for either of the services they discussed. I attempted to ask for verification and they never sent me any proof of this debt. After some digging I see they are licensed in the State of New York only the City of XXXX XXXX  and I do not even live in the City of XXXX XXXX. I want them to remove this erroneous collection from my credit history it looks like they added this on XX/XX/2019 to all 3 credit agencies.

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 2018-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-07-20
Company: William Lyon Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Weve been in escrow with a new builder since about XXXX and are set to close next Friday and new builder is pulling out all the stops and putting ethics aside in order to steal this deal from under us. See below and attachment for events that occurred. What can we do on this one. 

This possible RESPA violation occurred with XXXX XXXX ( sales associate ) and XXXX XXXX ( lender ) at the William Lyons XXXX location. 

The background context is that XXXX did not have the knowledge to structure and approve this buyer for the purchase. We were using an outside broker and specialty program in order to do this loan. XXXX called me pretending he actually worked for the sales office and his company did not have confidence we could close the loan and I needed to explain to him the program and how we structured. After about a minute I realized this guy was a scam and actually the lender looking to copy our program/structure, but he had already obtained the information he needed to go back to the buyer and offer the same program. Frustrating, but I understand not everyone in this business operates with ethics. 

The attachment shows how XXXX was violating RESPA in an attempt to force the buyer to close with William Lyon mortgage even after he let her know we were his lender of choice. It wasnt until after I mentioned XXXX and CFPB that she changed her tone and was willing to cooperate with the items we needed from her to do our job. 

Builder has now delayed items we needed for 3 days after multiple requests she has ignored. Due to this, she is now threatening buyer with 1 % penalty ( {$6300.00} ) but said if he uses her mortgage company she will waive penalty. She wasted time and cornered him into using her lender. COE date is XX/XX/27 and borrower is too scared to proceed with us because he doesn't want to pay this penalty.

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 2022-11-16
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: Investigation took more than 30 days

Complaint:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this account 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 non-monetary relief
Consumer complaint received 2020-10-18
Company: Diaz & Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company bought a debt that is 11 years old, repackaged and falsified dates on it to appear as if the debt is brand new, and listed it on my credit report as brand new debt. No original documents were provided to the dispute through XXXX  as to the age of this debt. I have never been contacted by Diaz and Associates regarding this 11 year old debt. The name listed on the debt is a name I havent legally  had in 9 years, which was my legal name in XXXX when this loan was originated. My last name changed in XXXX, XXXX. That piece of evidence alone would give any reasonable person information to show that, as of XXXX, this debt is too old, and falls outside the statute of limitations for collecting and reporting. Looking at research, there are several instances from other consumers stating the same, that Diaz   and Associates buy old, uncollectible debt, fraudulently change dates listed in the account, and attempt to collect on debt which is outside of the statues listed by the Fair Credit Reporting Act of 1970. This is a clear violation of the Fair Debt Collection Practices Act of 1977, and should be addressed appropriately. My next step is to take appropriate legal action against Diaz and Associates and their owner through my lawyer.

Company response to consumer: Closed with explanation