BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: GA
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:
A joint vehicle loan was paid off on full as a trade in by the 1st/ main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: UT
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 is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.

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 2019-09-03
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A company is reporting that I owe them for service, however I did not request their services. 
Equifax removed this item. 
The company sold this bogus account to a collection company. 
Now Equifax has not removed. 
I did not request or receive their services!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: WA
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:
My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
They said they took it off but didn't. The picture that was uploaded are from site that have my name and information but my sister XXXX XXXX or XXXX XXXX XXXX picture. On her information my XXXX is listed which I have no access to. I only go by one last name since 2015 and that my married name XXXX. XXXX is my madam name and I don't use that at all. My ID and social security card that had XXXX on it was stolen

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 2023-05-15
Company: Esusu, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I got a report from XXXX XXXX. It stated that my XXXX XXXX XXXX account was closed. Which dropped my credit score -XXXX  points on XXXX. And -XXXX  points on XXXX. I then contacted both credit bureaus to ask about getting it disputed. They told me I have to contact ESUSU the credit company that put this inquiry on my credit. I contacted them gave them the information and they said they have to do an investigation. I went to my leasing office and told them what is happening. They dont know why it was put that my account was closed. I havent had any late payments or eviction notices. I got copies of my on time rent payments and lease. For proof that my account is open. And I want my score back updated and this mistake off my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a Mortgage Account with Suntrust Bank ( later Truist ) since XXXX. I have made timely payments since the initiation of mortgage. I have had automatic payments to my mortgage and credit card accounts since XXXX. Since the merger of BB & T and Suntrust, I have faced hardship on managing my accounts and payments including XXXX even though sufficient funds are available. Multiple calls to the bank authorities, have fallen on deaf ears. On or about XX/XX/XXXX, I was informed by XXXX that the credit card payment was denied. I called up Truist Bank to inquire and was informed that my account has been locked for security reasons and will have to go personally to a branch. I also received a separate message from Truist that the mortgage payment was denied. I paid a visit to Truist Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX on XX/XX/XXXX and met XXXX XXXX XXXX Branch Manager. He was unable to explain why my account was locked. After struggling with the bank departmental authorities for almost 2 hrs, I was informed by him that the problem was fixed and informed me that automatic deductions/payments were reinstated. A mortgage payment was again made automatically in XXXX, XXXX. However in XXXX - XXXX no payments were made as there was a technical glitch at the bank. Subsequently, I was notified by mail and charged a late fee {$630.00}. I contacted the bank authorities and lodged a complaint on XX/XX/XXXX - Docket # XXXX and XX/XX/XXXX Docket # XXXX not only to fix the problem but also refund the late fee charge XXXX. The bank has refused to take responsibility for the technical glitch and refund the amount as well as to inform the credit reporting agencies regarding the problem so as not to tarnish my credit rating.

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 2023-07-21
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this before with no results. This is in regards to the collector trying to collect for old carpet, and other things with no proof. We left the XXXX after XXXX  months DUE to unsafe living conditions, such as XXXX XXXX XXXX XXXX 

This was XX/XX/XXXX, we left XX/XX/XXXX, we were not evicted! He called calls and sent letters, and now he keeps charging interest seems like every XXXX weeks. He has provided no proof of damages, or anything I asked for. I have letters that I sent to the landlord about the living conditions. 
There is nothing in the lease that says interest. 
you can XXXX XXXX XXXX XXXX/ XXXX, LA and see all the reviews. Charging over XXXX dollars in interest I also had a XXXX in the pool at the apt due to lack of sleep and stress and was sent to the hospital unresponsive. have medical report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am waiting for a settlement to pay my Mortgage off but the Mortgage Servicer continues to harass me by calling every Tues and Thurs no matter what calling on 2 different phones even after they talk to me. One rep even cursed on my phone. They are out of control and I would like them to pay for every harassing call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
An account that is incorrect is reporting on my credit report XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We noticed a hard enquiry by XXXX XXXX on my husband 's credit report. The enquiry, dated XX/XX/18, was not authorized by my husband. Fortunately, no account was opened, but the hard enquiry still affects my husband 's score. We are in the process of looking for a home. Our credit is really good fortunately ; nonetheless, this enquiry still affects our score and may impact our ability to get the best possible loan rate. 

I followed up with the three reporting bureaus XXXX, TransUnion, and XXXX, together with XXXX XXXX on XX/XX/18. XXXX  and XXXX  were able to help me straight away. TransUnion however, gave me a complete runaround. First of all, their customer service person was really hard to communicate with. Second, I was told to contact XXXX XXXX again and request a deletion letter, then send that and an authorization letter to TransUnion. Then after 30 days, I have to call TransUnion to have them delete the information ( why is this not done automatically? ). I contacted XXXX XXXX again and they said they could not do anything and I would have to deal directly with the TransUnion. XXXX XXXX were nice enough to refer me here ( consumerfinance.gov ), and apologized there was nothing else they could do. I went back to TransUnion and was told something different from the first call. I felt like I was getting the runaround. Now, I just don't know how to get this removed from TransUnion and I've already spent most of the morning on this without resolution. 

If XXXX  and XXXX  can handle this so efficiently, why can't TransUnion do the same? Why should TransUnion be given any power at all if they can't actually do what they are supposed to do? All I need is a straightforward way to get this sorted out. Perhaps it's time that TransUnion were required to review their practices!

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 2019-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Experian via mail in regards to some errors of unverified information on my credit report and I asked them to verify the accounts because by law they are not suppose to report things they can't verify. I have tried to get this information from them for months now and they keep sending me back papers documenting " accounts remains '' without any type of proof or explanation. I have been a victim of identity theft and the other credit bureaus have removed these accounts but Experian continues to report incorrect information. They are even reporting duplicate accounts just to get money Experian is committing fraud acts and its ruining my life.The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate account against the law ) XXXX  XXXX XXXX XXXX  XXXX XXXX ( duplicate account against the law 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 2019-10-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
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:
Leased a XXXX XXXX XXXX from Toyota Motor Credit Corporation. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid Toyota in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that Toyota has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with Toyota financial to no avail and I now need help from their regulator.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Their investigation did not fix an error on your report

Complaint:
I recived a response from you on XX/XX/2020 and on the XX/XX/XXXX. 
Theres only one way for you to see if its me doing this. 
Id like to serve you how ever you sent me a po box

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 2020-06-01
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Someone stole my Chase XXXX visa credit card # the week of XX/XX/XXXX and charged {$380.00} at 4 gasoline stations across XXXX XXXX. I was shletering in place at home that week and didn't fill up my car or visit any gas stations. Chase is asking for proof that I was at my home. I need to file a police report in order to gain access to my cellualar location records according to XXXX and XXXX XXXX XXXX. Chase 's fraud recovery team isn't taking inbound calls during the pandemic. I plan to file a police report tomorrow, but am extremely frustrated that I've spent hours trying to resolve this with limited success. I've been a Chase customer 20 years and they are using customers to cover fraudulent payments that their systems failed to detect. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
as a XXXX XXXX XXXX XXXX XXXX  I have my personal information stolen from individuals that i let live in my home

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 2019-09-03
Company: JPMORGAN CHASE & CO.
State: NV
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 made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do not reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Company TD Auto finance has included 2 hard enquiries on XX/XX/2018 in XXXX credit bureau. These hard enquiries were not authorized by me and are duplicates. 

The only enquiry authorized by me was for XXXX XXXX XXXX XXXX and XXXX XXXX for Auto loan. I have given no approval for TD Auto finance for these enquiries. 

In addition they have added 2 duplicate enquiries on same day XX/XX/2018 in my XXXX file. 

I would like these2 inquires by TD auto finance Deleted and corrected at earliest reasons 1 ) Not authorized 2 ) Duplicate entries 2 hard pulls on same day XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me, the XXXX ( XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX ( XXXX  in XXXX XXXX ) account does not belong to me. TransUnion has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX I sent a letter to the XXXX XXXX XXXX via certified XXXX tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the XXXX XXXX XXXX is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$610.00} ( XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX : {$530.00} ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief