BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX is reporting to TransUnion credit bureau that the account is still open and it should report as closed. The balance is showing 100 % paid in full. Please have them close the account and report it correctly on my CB report with TransUnion Total shows owed. {$3800.00} The other account that shows incorrect reporting is still XXXX XXXX XXXX it is also reporting this as open account with a XXXX balance and should show XXXX  and closed status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit System XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of ( {$10000.00} ) the collection has been reported as past due ( XX/XX/2018). I do not know this company. I have never done any business with this company. This company does not have a binding contract with my signature on it from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed alleged account from NAVY FEDERAL CREDIT UNION multiple times with XXXX  and XXXX. They ( XXXX  and XXXX  ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a Navy Federal Credit Union, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to Navy Federal Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681, unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, Better Business Bureau, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/17, my savings account was charged a {$5.00} " maintenance fee ''. I have had this same savings account for over four years, and have never been charged a maintenance fee.

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 monetary relief
Consumer complaint received 2018-04-30
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:
On XX/XX/XXXX I received a letter from Equifax informing me the results of my investigation are complete and lacked any proof of verification. Police and identity theft reports were received by Equifax containing accounts that were opened without my consent. Neither the creditors/collection agency has yet to respond to my dispute, therefore Equifax could not have verified these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Automated Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wasnt given proper notice of how much the bill would be and my insurance was suppose to cover the amount and the company didnt provide accurate information of how much I have to pay out of pocket. This bill is not accurate and they did not give proper notice to the consumer before the consumer decided to utilize the service performed. I'm asking for this information to be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Investigation took more than 30 days

Complaint:
This is my second and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2019-09-29
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had leased a car and my mother had got a XXXX XXXX XXXX which lead to a XXXX XXXX, so I called Southeast Toyota immediately to let and make them aware of the situation.Going on my third miss payment Southeast Toyota did not make me aware that they would come in the middle of the night and took the car, I then assume someone stole the car so I had call 911 and thats how I knew it repo.I called Southeast Toyota to pay the three missed payments and their representatives told me that I will have to come up with eight thousand plus or else they will proceed with a quick sale.A few days later they told me that it was sold for eight thousand plus and I owe thirteen thousand plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, on a second refinance of the home at XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. The XXXX  that Change Home Mortgage uses, allows special concessions for those with financial challenges, and though we have an 800 credit score and majority home ownership asset on a home appraised recently at {$910000.00} CDFI  helps an income stream challenge. The first refi was done with XXXX XXXX  XXXX CDFI  and has changed its name to Change Home Mortgage ) and this refi is 100 precent successful, never missing one mortgage pay an is up and running and current. They did require some course as part of the protocol of first time use of CDFI loan. Currently we have a show stopping refi stopping controversy as they Change is insisting that a course called " First Time Homebuyers Course '' be taken. Objection has been made for a. this is a refi not a home purchase. b. why would we need to take a same or similiar course that was taken for the first loan that is still current? c. the course forces lying as many questions pertain to a home purchase that is an n.a. and the only way to proceed is to lie about the answer and perjur! If this is so important, why does Change have a home refi course? Since the course has been taken and that loan is still active, this should be waived. The other major issue, is Change was incompetent about took a month to decide on what action to take on a home investor, that has a smaller stake in the home as to subordinate them or what, when all they had to do is spend a day to check their policy and find out it would be necessary to buy out this investment. There was no need for them to delay the loan, that is time sensitive ( they caused a mortgage late charge due to this ) and this delay is causing mortgage and financial jeopardy. Worse yet Change absurdly tired to blame us for this delay, when there is no way we can dictate or interfere with their own policy to subordinate etc. so they have been dishonest about this and in consequence have made us several weeks late on their own deadline to complete the loan as if it is not completed then they said they will charge a large additional amount to continue it, when this delay was all their fault as they have had XXXX months now and when the first CDFI refi was completed in just over XXXX weeks! XXXXChange should offer a FREE extension on this loan, waive the course, and proceed to finalize immediately as their delay are also interfering with a funding donation for a public safety organization.ps not true that we delayed this ( could not do that on policy issue ) as our agent/rep was told to tell state any work that was needed by us and its deadline and we missed none of this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Experian Information Solutions Inc.
State: PA
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:
The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like XXXX, XXXX and Experian.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,

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 2017-08-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification from my present mortgage company. I submitted all the necessary documents to the loan company. They are not answering my calls or processing the loan modification documents. The company is Select Portfolio Servicing , INC .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this 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 2018-04-30
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
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: Account status incorrect

Complaint:
The account listed as past due with XXXX XXXX XXXXXXXX XXXX XXXXXXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXX XXXX  XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2018 I traded my XXXX XXXX for a XXXX   ally banked reported the payment 30 days late. With the payout being processed and I received a check for over payment

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 2021-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to file a complaint regarding an unresolved dispute for a purchase of counterfeit items from a seller that both financial institutions involved, Wells Fargo and XXXX XXXX, refuse to remedy. The Wells Fargo debit card purchase of {$650.00} was conducted between me, the Cardholder, and the Seller, using XXXX XXXX as the intermediary platform, posted on XX/XX/XXXX. This case consists of a direct debit card purchase transaction, and not a XXXX XXXX balance transfer, qualifying it for Cardholder protection. 

The items were received on XX/XX/XXXX and were confirmed to be counterfeit. I reached out to the Seller to request a return and refund ; seller opened and viewed my message ( blue check mark ) and proceeded to block my number ( single gray checkmark, no last seen in contact info ) Despite carrying the ability to reverse this fraudulent transaction involving a purchase of counterfeit items, both Wells Fargo and XXXX XXXX refuse to take accountability for the abuse and exploitation occurring on their financial platforms even after numerous contacts and appeals.

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 2022-08-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2018 I received another alert from XXXX XXXX pulled from TransUnion with derogatory information on a closed account reducing my fico score 30+ points.  XXXX XXXX XXXX XXXX. The creditor has been submitting intentional erroneous information in result of each and every dispute damaging my consumer file. 

The creditor has been monitoring my credit to the point any time their is a positive change since XX/XX/2017 they will update to pull score down through TransUnion. My TransUnion consumer file was 620+ before disputing erroneous information and fraudulent accounts

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 2021-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: LA
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've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation