BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 6th 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 XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/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 2023-04-26
Company: EQUIFAX, INC.
State: MS
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 6th 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 XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : BANK OF AMERICA 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 2023-04-26
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX 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 XXXXV XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX CXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-12-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-08-15
Company: DriveTime
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: Account information incorrect

Complaint:
I purchased a vehicle through Drive time, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX  or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..Drive time is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX XXXX drive time have committed..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: FIRST HOME MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan company is unable and unwilling to provide me monthly statements. They claim that since they provided me a " coupon book '' when I got my mortgage, that they are not obliged to provide me monthly statements. They offered to mail or fax me a statement, but that they will not do this routinely nor will they make statements available on their website for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: MD
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 received a copy of my credit report and notice some hard inquires that i don't recognize. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX and TransUnion to update this suspicious information. I think you 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, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$5100.00}.

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 non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX OF XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2021-08-28
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: Old information reappears or never goes away

Complaint:
Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.

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 2018-05-17
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 my mortgage company ( Loancare ) reversed one year of mortgage payments and additional principle payments and showed my account as 12 months past due. My principle owed went up to where it was 12 months previously. After a month and 4 phone calls, they concluded my account was fixed. During this " resolution '' time period, the company did not honor my pre-set auto payment plan ( without notification to me ) and once again showed my account as past due and applied a late fee charge to my account. After 2 more phone calls and escalations, they accepted my payment and said they would wave my late fee. This was on XX/XX/XXXX and my account still show a due late fee. 

I have since called again as, after their modifications to my account, as my outstanding principle on my XXXX statement is HIGHER than what was on my XXXX statement prior to their incorrect activities on my account. I was told that my issue was being passed to another department and I would be notified of the status. No additional activities have taken place that I've been made aware of and my account still shows a higher principle balance owed in XXXX ( {$210000.00} ) than it did in XXXX ( {$210000.00} ), despite never missing a payment AND applying additional principle payments. 

I submitted a request via email to their customer service department ( I wanted to document the communication ) requesting a fix to my account and a description of the activities they have performed so that I can feel comfortable that my mortgage has been correctly handled. I have followed up 3 additional times and have yet to hear anything at all from my original request despite automated acknowledgement of receipt of my communication. 

I am not confident that Loancare is handling my loan properly and that all the payments I've made since loan origination have been applied to my account. I also want to be sure that I was not charged additional interest due to the missteps of Loancare.

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 2021-04-29
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DSNB XXXX XXXX XXXX XXXX  XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXXXXXX XXXX XXXXXXXX & 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 2023-04-26
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive my demand letter from this agency. Account now on my credit report. Have disputed with creditor twice. Have no knowledge they turned me to collections. On XX/XX/21 professional placement services have placed an account on my credit with no communication with me. I have disputed with creditor for improper billing per my insurance. Amount was for XXXX XXXX now they reported XXXX XXXX  to my credit. Per fdcpa I have 90 days to dispute with collections before it can be on my credit. I was not sent any notifications of this collections until alerted by credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation