BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To XXXX, XXXX, and TransUnion. 

Ive submitted several disputes upon a series of companies whove purchased one particular charge off from a former creditor XXXX. Ive disputed the original creditor 's report as having an incorrect remaining balance of {$500.00} due to the fact that the XXXX themselves reported that my last payment received was dated on XX/XX/17 yet late fee charges were continuously assessed into the that remaining balance reported beyond the maximum 180 day delinquency charge off date by an additional 2 months. Some of the CRAs ( XXXX  ) while others have not since updated that original XXXX  credit report to reflect the error by removing the remaining balance completely as well as the payment history associated with it. A second party had purchased that errored bad debt from XXXX but managed to also make an additional mistake of not carrying over the original balance of {$500.00} and instead reported a remaining balance of {$500.00}!! Ive asked all the CRAs to investigate and upon that request was given the response the report falls under the fair credit reporting act. The debt buyer ( XXXX  XXXX ) has no contact information in which I can coordinate any type of resolution. To make matters worse the debt buyers report was purchased by a third party XXXX XXXX XXXX of whom are purportedly reporting the same inaccurate information of {$500.00} for the remaining balance. {$500.00} does not equal {$500.00}, the fact that this third party is re-reporting the inaccurate information of the first debt buyer yet each of the CRAs capitulate that their investigation has been concluded with the same responding resulting review of still falls under the FCRA I want each CRA to show their results of how their investigation was conducted because last I heard reporting inaccurate information still goes against the FCRA. So, even though the incorrect balance of {$500.00} from the original creditor was disputed and then finally removed from my report its not reflected in the subsequent charge-off amounts and in additional the subsequent charge off amounts from debt buyer to debt buyer is also in accurate being {$500.00} does not equal {$500.00} I can only logically conclude that each of the CRA have in fact not thoroughly investigated my claim at all!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: General Motors Financial Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX filed a debt collection notice on my credit report that appeared today XX/XX/2022 and to date, I have received ZERO notices of this alleged debt. I am happy to pay it, but it needs to be removed from my credit report and the proper communication channels should be followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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 have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent several disputes to XXXX, Transunion and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but XXXX, Transunion and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.XXXX keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXXXXXX XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

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 2022-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Your company has been performing malpratice and is breaking the law Frivolously. it has been a grossly amount of poor performance in handling my investigation with so much negligence that has caused me finaicial injury and harmed me from being able to obtain any credit or auto loan and several other things. Several Laws have been broken Under The Fair Credit Reproting Act made to protect consumers like myself it has been a nightmare trying to get this matter resolved and my Character hasbeen Deframed slandered and ridiculed I am traumatized with this outcome and it has been extremely overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo did not remove the PMI from the mortgage payment when the loan hit 78 % of the original value. When I spoke to them about it, we were already below 75 % of the original value. They then refuse to reimburse the monthly payments they had been charging since the loan hit 78 % 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 2021-05-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Toyota Financial falsely says I owe money and it is fraud. Toyota has never shown me proof I owe the money even after asking for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Previous CFPB # XXXX XXXX sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my credit score. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with XXXX for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!

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 2020-12-22
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, XXXX card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named Brock and Scott PLLC. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I canceled my automatic payment on XX/XX/XXXX. i got email confirmation. 5 days later they still processed payment and refuse to assist me in returning my money. they told me i could eat 14 days to request that the money be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened XXXX is reporting the open date of XX/XX/XXXX and Equifax is reporting XXXX.The next issue if the closed date XXXX is reporting the account closed on XX/XX/XXXX however Equifax is reporting that this account is still ( OPEN ) .The account rating in inaccurate XXXX is reporting the account is closed and Equifax is reporting the account is paid.The creditor type is not correct XXXX is reporting this account as Educational and Equifax Is reporting this account as Miscellaneous. The last payment date XXXX reported XX/XX/XXXX and Equifax reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and XXXX reported 120 term and Equifax reported no terms at all. 

In additon, Equifax is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX of 2021 I had a dispute on a few repeated transactions. I also sent a letter in details as to what happen because I also tried calling the Company trying to get my funds back. I was trying to get an affordable insurance for myself and the representative of that company misled me into signing up telling me the benefits but its not an insurance but a discounted program. I did not find out until after my account was already being taking out payments and because I questioned the Company why I have not received my policy and health card. I called the Company more than once and all they say was they mailed it and probably got lost and they're sending another one. I finally received the card after a few months, the card says its not an insurance but a discount. I called that Company .. upset and told them I wanted it cancelled. The next month the money was taken out again. I found that the Company is under " XXXX XXXX XXXX XXXX XXXX '' and which they also had many Complaints from the BBB I had a very bad experience with this Company personally. I'm XXXX old and they should not take advantage of not just me but people my age in general .. being misled. Either case I'm trying to get my money back from this Dishonest people or Company. When I called my bank they said I can file a dispute and will Investigate. I don't believe they did. I sent all the information and I had to wait 3 months for them to tell me I can not get credit for it. I don't understand how a Company is allowed to run like that to misled or trick people ... They took {$300.00} .. that is a lot of money for me. And my Institution I thought can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On the XXXX of XXXX, I applied for a mortgage with Huntington Bank. I received an approval message from XXXX XXXX on XXXX XXXX, XXXX. Since I now had an approval letter, I made the decision to purchase a house instead of renting. I found a house in my price range and with my real estate agent and reached an agreement with the seller. A few weeks later, I started the closing process which included the earnest money and an inspection totaling XXXX XXXX XXXX  earnest and XXXX inspection XXXX XXXX XXXX XXXX, XXXX, I received a casual email from XXXX XXXX stating that the underwriter had now declined the load based on insufficient work history. XXXX stated that I should get my XXXX to co-sign. The co-sign issues was also brought up when I initially applied for the loan. It was clear to me that XXXX XXXX used a bait and switch approach to win the loan using my XXXX as a Co-sign. The reason for the denial was insufficient work history, which had n't changed since my original application. I contacted XXXX 's superior and XXXX XXXX from Huntington Bank XXXX XXXX to no avail. 

I requested a formal denial letter several times, the last time on XXXX XXXX. Today, I received the official statement of credit denial. XXXX XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
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:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Reference Case # XXXX I received an explanation from this bank that did not satisfy my concerns, I never spoke with anyone although I reached out to the XXXX  office several times by phone. According to the person who reviewed the case in his comment to me he admitted that the bank was in error with their transactions which caused me to lose several hundreds of dollars and I will not pay for their mistake. I am getting several different scenarios of why my account was overdraft including there were not sufficient funds to transfer money so it never posted to the transferring acct. which is n't true, then I was told that it posted but did not have enough funds. 
Here is what I received from XXXX that I question : Please see attachments the concerns will be highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
I went to a Bank of America branch to talk about getting a home equity loan. I described my situation in detail ( I needed money to renovate a home that my brothers and I had just inherited so that we could put it up for sale ; the house is held in a family trust ; BofA holds the existing first mortgage on the house ). I gave the banker a lot of information to get the paperwork started but I did not sign anything authorizing a credit check. However, the next day both my husband and I got notices from our credit monitoring service that our credit had been checked by BofA. One day later, a BofA rep called to get more info for the loan and in the course of that conversation I explained ( again ) why I needed the money. She put me on hold for a while and then came back and told me that the first bank rep had made a mistake and BofA would not loan money for a renovation in order to sell a home. I said I wanted to lodge a complaint and get the credit inquiry removed from our credit reports, since there never was any chance that we would be getting a loan. She gave me contact info for her supervisor and several days later I was able to reach him. He was apologetic but when I asked why our credit was pulled before we 'd given authorization he did n't have a good explanation, and when I said that I wanted the bank to contact the credit reporting agencies to get the loan inquiries removed from our credit reports he said he did n't think that was possible. That 's crazy. If BofA checks our credit without written authorization when they do n't even offer loans for our particular situation, then they should have to remove that credit inquiry from our credit reports so that it does n't affect us later on. The supervisor was very nice and kept saying " I promise this wo n't affect your credit '' but I do n't think I should have to rely on his promise -- I want that bogus inquiry removed! 

On top of this, the first banker misrepresented the loan costs to me when I was in her office in two different ways. First she said that it had a introductory rate of 2.99 % during the first year, but much later, at the end of our appointment, she said that the 2.99 % rate was not guaranteed for the first year and that it could vary. When I tried to get the details of how it might vary, she just kept saying, " Do n't worry, it wo n't vary. '' In addition, she neglected to mention the " Early Closure Fee '' for keeping the account fewer than 36 months that is described in the paperwork that arrived at my home a few days after our meeting -- despite the fact that I had been very clear about only needing the loan for about 4-6 months.

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