BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXXXXXX XXXX  XXXX XXXX inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I tried to refinance my mortgage with Amerisave, I'd done the same with them several years before. My loan officer XXXX XXXX told my I qualified to refinance, but it would cost me {$500.00} to lock in my rate. Once I paid the {$500.00} and started the paperwork I asked how to handle my wife being on maternity leave since her W2s will show no earnings right now. It took over a week of me calling and emailing him until he responded, he said it wasn't a problem she was on maternity leave if she went back before the first mortgage payment was due, but still didn't tell me what documents they would need. I asked again that day and didn't here anything ever again, I emailed and called multiple times, he just quit responding to me. I also left a voice message with someone described as XXXX XXXX 's manager who also did not respond. After another week I sent an email asking him to refund my {$500.00}, cancel my application, and cancel any services they scheduled like the home appraisal, he didn't do any of those things. The appraisal company won't let me cancel the appraisal because they said I didn't order it, Amerisave did and they  haven't cancelled it even though I requested they do so. Literally the next day after I paid them {$500.00} they became unresponsive and made it impossible to complete my application. I want my money back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: The Receivable Management Services LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX from a firm called XXXX called and informed me that she was contacting me in regards to an alleged debt that I owe to XXXX XXXX for some type of insurance debt that I allegedly owed XXXX XXXX. First off, my relationship with XXXX XXXX ended in 2019. Secondly, I paid on a monthly basis when I did do business with them. This predatory attempt to extract money from me has become harassing. This is what I told XXXX XXXX : This is to follow up on the formal dispute form that I thought was enclosed. All I see is a bogus bill from a company that I havent done business with in years. I have no relationship with XXXX XXXX and havent for years, as I have already explained. I will not be entertaining the idea that I have to do an audit for something that I dont have. Please cease all further communication with me, as it will be considered harassment. If any marks are placed on my credit for this fraudulent claim or any other action is taken by your firm or your client, I will pursue to the fullest extent of the law. I do not take my debts lightly, I am an honest small business owner and I pay all of my obligations on time. If this claim was valid, it would have been paid. 

This morning, another person from her firm called and threatened me with telling XXXX XXXX that I waived my rights. I do not owe XXXX XXXX any money. If they are upset that Im no longer a customer then they should have provided better customer service. At this point I feel harassed and threatened and do not deserve this treatment. I pay my bills and I am an honest man. I will be contacting legal representation to address this. I will not be threatened and bullied.

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 2021-11-18
Company: Radius Global Solutions LLC
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-18
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
i have been travelling and had missed some payments. When i tried to catch payments up Lendingclub refused to accept online payments and made me call a toll free number which was difficult when travelling. I was finally able to reach someone and they told me that my loan was now in charge off status. 
They refused to take automatic payments, representative said that i had to call in monthly. 
Their own information says that charge off status is when they " reasonably expect no further payments to be made '' This is clearly not the case! I am trying to make payments and they are making it very difficult. 
This is clearly a way to make things more difficult for the consumer and let lending club profit at the expense of debtors and loan investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX says I owe them money I had asked them to validate the debt and I never received validation.today a very rude lawyer who said he was in Illinois called and said I was on a recorded line and demanding money .I have no knowledge of this account.this man screamed at me and over talked me and threaten to take me to court.i advised him I knew the laws and I needed this supposed debt validated .he screamed louder in my ear and told me I didn't know what I was talking about.i advised him that if XXXX XXXX takes me to court I will sue for fraud and harrassment.i looked at my credit report XXXX XXXX is on it I am not sure how they can do this when I never had a signed contract with them.i am demanding a signed contract be sent to me and XXXX XXXX to remove themselves from my credit report.if this man ever calls me again and screams at me again I will fill out a police report.i am wondering if this is identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/ I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. Experian replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/ so that means the credit bureau did not thoroughly investigate this account.

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: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to XXXX XXXX on XXXX XXXX, XXXX to verify a debt they are reporting on my credit report. All they sent me was a letter and an old telephone bill. They did not send any of the requested information in the letter. I also sent this information to XXXX, XXXX and XXXX. They all stated the collection was verified, but did not state how it was verified or what information was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX for reporting inaccurate ininformation on my credit report for over four years. 
In XX/XX/2020, XXXX XXXX XXXX closed two of my credit accounts due to an alert on my identification. I was unable to verify my identity online, so I was instructed to mail in my verification documents. However, due to the COVID-19 pandemic, I was unable to do so immediately. In XX/XX/2020, XXXX XXXX XXXX closed my accounts, which resulted in a XXXX drop in my credit score. 
In XX/XX/2020, I agreed to reopen one of my accounts, the one with the lower credit limit of {$300.00}. XXXX XXXXXXXX XXXX  sent me a new credit card with the correct account number and credit limit. I began using the card and making payments on time. 
However, when I checked my credit report a few months later, I noticed that XXXX XXXX XXXX was reporting the wrong account. They were reporting the account that I had refused to reopen, the one with the higher credit limit of {$700.00}. 
I contacted XXXX XXXXXXXX XXXX and asked them to fix the error, but they refused. I have contacted them multiple times over the past four years, but they have continued to report the wrong account.

As a result of this error, my credit report has been inaccurate for over four years. This has made it difficult for me to obtain new loans and credit cards, and it has also negatively impacted my credit score.

I have documentation of the bills they sent me. To this day when I log into their website the correct account with the correct credit limit shows up that other account that they're reporting on my credit reports is not there it has never been there they've never sent me a bill for it or anything they just report in the wrong information and refuse to remove it they say all three credit bureaus is the reason why they're not reporting the correct information but they're not giving me a reason why they're t reporting the wrong 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 2023-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Credit Bureau, this account if fraudulent. I contacted the lender and they told me that someone added me as co-signer. But I never co-signed anything and didn't give my permission for that. I also never used that car and have no idea about this loan. 
Please remove the fraudulent account from my credit report : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/2020 Account Type : Auto Loan I have not applied for the account. That account, either the vehicle do not belong to me. I have been trying to dispute this account for several months. I can not believe this account is still not removed from my credit history. This time I have prepared additional documents to support the disputing process. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-20
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ; inquiry : XXXX Inquiry Date XX/XX/

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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. 
Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, VA 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 2021-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Affirm Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I requested a virtual card for {$450.00} from Affirm Financial. The request was approved. I used the card to purchase a mobile phone from XXXX XXXX online on that date. The phone was shipped to me from XXXX XXXX but when I tried to activate it, I received the message " unable to activate ''. I called XXXX XXXX customer service and was told the phone had been flagged as stolen and and could not be activated. I was told I could either return it for a refund or have a new phone shipped. I opted for a refund. XXXX provided a return label and I shipped the phone back on XX/XX/2021. Tracking shows it was received on XX/XX/2021. 

I contacted Affirm Financial, explained the situation by opening a dispute. I provided all available documentation I have. As near as I can determine, XXXX XXXX has not issued a refund as they have provided no further contact. Affirm Financial representative responded to my dispute against XXXX saying it would take 90 days to review all documents. Today my account shows " PENDING, PROCESSING DISPUTE '' and no other details. 

After nearly 2 months, I still do not have this simple transaction to purchase a new phone resolved. Both XXXX XXXX and Affirm Financial have not demonstrated any attempt to expedite this matter. If I had known Affirm would slow walk any issues with their virtual card, I never would have utilized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Filed a dispute with XXXX and Equifax for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, XXXX had everything fixed in a week but XXXX  isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent XXXX a delete letter and they still didnt budge. 

Soc XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any erroneous records. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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