BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TN
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: Personal information incorrect

Complaint:
I reached out to Experian XXXX  times to rectify the issue and they refuse to remove inaccurate information from my consumer report. They have names, addresses, employers, and a spouse/co-applicant listed that I am not associated with. 

These names need to be removed : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX is my middle initial and the only middle initial I have. 

The addresses listed needs to be removed : 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 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 My only current address is XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Spouse/co-applicant needs to be removed : XXXX. I am not married to nor have I done an application with anyone named XXXX. 

The employers listed need to be removed : XXXX, XXXX, XXXX, and XXXX CUSTOMER MANAGEMENT. 

This information is not accurate and needs to be removed. Inaccurate information reported on my consumer report is damaging.

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 2023-07-31
Company: EQUIFAX, INC.
State: IN
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: IL
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to Macys in XXXX of XXXX, and I did not have my Current Macys card on file. So, I used my Social Security number to gain access to my current account. Subsequently, the sales associate open a new account in my name. Within 30 days I started receiving phone calls of a late payment of my credit card. My previously opened Macys card has been on autopay since opened in XXXX. Therefore, I was unsure of the late payment and or applicable fees. When I called to inquire about the late fees, it became apparent that I now had 2 Macyss card. I did not want any further late payments so I paid the card balance of {$90.00} in full and closed the card to avoid further late fees. Unfortunately, the fraudulent behavior did not end and my Credit Score has dropped XXXX points, over {$90.00} and a card that I never applied for. I have since been denied credit and my interest rates on my other cards have been increased. I have been in communication with Macys since XXXX of and its been 6 months with no resolved. My Credit Score is ruined.

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 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the XXXX  data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life 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 2023-04-17
Company: Freedom Mortgage Company
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX Freedom Mortgage offered a 3 month forbearance due to hurricane Ian. XXXX ID # XXXX told us we would not have any late fees or credit damage. The peroid would be from XXXX to XX/XX/XXXX. We said we would think about it. On XXXX XXXX we called and spoke to XXXX ID # XXXX. We asked several questions about the payback options. She offered us 1. loan modification 2. repayment plan 3-12 months 3. deferment program We specifically said we wanted the deferment plan and she told us once in loss medigation we could ask for that option. 
We were never told we would need to fill out a package and have anything turned in by XX/XX/XXXX. 
I never received a package or any papers to fill out. 
On XX/XX/XXXX I called freedom to ask how to begin making payments again. I spoke to XXXX. That is when I found out I was suppose to have filled out a package by XX/XX/XXXX. I requested the package and on XX/XX/XXXX I downloaded all the paperwork. From XX/XX/XXXX until XX/XX/XXXX Freedom has played games with us. Every time I turned in the papers they would tell me something was missing. I would turn in that paper work and then they would tell me something expired. In XXXX I was told all paperwork had expired and I would need to resubmit the whole package again. 
In XXXX, they reported us late to the credit companies and My credit score dropped to XXXX. I had excellent credit until this point. 
I re submitted the package again and was told it would go to loss medigation and we would have an answer by XX/XX/XXXX. 
At this time I was told that the VA was not even offering the derferment program anymore.They stopped in XX/XX/XXXX. I then requested the phone calls from XXXX be investigated. I requested several times to be called back by supervisors and never were. THe phone calls were never investigated. 
I had to take the money out of my IRA to pay the balance so our home didn't go to the foreclosure. We also had to hire an attorney to write a letter to request our account to be take out of loss medigation. 
On XX/XX/XXXX I paid {$13000.00} to being my account current and avoid foreclosure.

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 2018-09-12
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to XXXX XXXX XXXX XXXX XXXX ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. XXXX XXXX XXXX XXXX NH Attachments Caller ID.jpg ( 154 KB ) What product or service is your complaint about? 

PRODUCT OR SERVICE Debt collection TYPE Credit card debt What type of problem are you having? 

Issue Attempts to collect debt not owed Have you already tried to fix this problem with the company? 
Yes What happened? 

I keep getting calls from XXXX to collect a debt belonging to XXXX XXXX. It appears that this phone # belongs to Stillman Law Office ( collection attorney ). My land line phone number, XXXX, was assigned to me in XX/XX/2017 by XXXX XXXX. This phone number used to belong to XXXX XXXX, XXXX XXXX 's father. I have repeatedly requested this debt collector to stop contacting me regarding XXXX XXXX 's debt as he is not at XXXX and the debt does not belong to anyone at this number. I have a severely injured sister who lives with my husband and me and we receive calls from her medical providers on almost a daily basis. When companies like this keep calling, it makes our land line unavailable for my sister 's medical providers to get through. I would like my phone number removed immediately from this debt collector 's database. This is the third debt collector for XXXX XXXX that calls my land line phone number. 

XXXX XXXX XXXX XXXX NH

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
EQUIFAX, XXXX, XXXX HAVE SEVERAL ERRORS ON MY CREDIT FILE. I KEEP FILING DISPUTES AND SENDING PROOF .I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I HAVE NO KNOWLEDGE OF FOR MANY YEARS AND AS A CONSUMER I HAVE THE RIGHT TO CHALLENGE THESE INACCURACIES ON MY CREDIT FILE. I DISPUTED 14 INQUIRES AND EQUIFAX SAID THAT THEY ARE FACTUAL AND IM NOT SURE HOW THEY CAME TO THAT CONCLUSION IN 1 HR AFTER THE FILING OF THE DISPUTE. I DIDNT GIVE THESE COMPANIES PERMISSION TO RUN MY CREDIT. ALSO THERE ARE ADDRESSES THAT I NEVER LIVED AT ON MY FILE AND I HAVE REQUESTED THAT THEY BE UPDATED AND THEY STILL REMAIN ON MY CREDIT FILE. PLEASE LOOK INTO THIS. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Diverse Funding Associates LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call in XX/XX/XXXX from XXXX representing DNF Associates saying I owed on XXXX XXXX account they claimed I last paid in XXXX. I told them I did not recognize that account and it isnt mine. On XX/XX/XXXX I received an email from XXXX representing DNF Associates saying I owe them on an account now saying the last payment was in XXXX - so the rep lied as the date now makes it out of the statute of limitations to sue since I do not even claim this account. I also got a letter from them a few days later. I completed the form to dispute and returned it via certified mail. I got the received receipt early XX/XX/XXXX. Never received any information from DNF showing I own this account. Then beginning in XXXX I received contact from DNF through XXXX XXXX. The email sent on XXXX gave me an amount but no dates at all. Shortly after I got 2 phone calls a day for a few days. I called and told the rep it is not mine and I am disputing it. She became belligerent talking over me saying she doesnt believe I dont remember and that it wont do any good to dispute it. I hung up. I sent the dispute form in and on XXXX filed a complaint with the PA Attorney General. After XX/XX/XXXX DNF added this account on my credit report- despite not validating this debt. I believe they know they cant validate it as it isnt mine and they are trying to bully me into paying by barraging me with debt collectors and adding unverified info to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed complaint number XXXX on the CFPB website on XX/XX/ in reference to inaccurate information I saw on my credit report. I filed another complaint number XXXX on the CFPB website on XXXX in reference to more inaccurate information I saw on my credit report. I have made these inaccuracies known to TransUnion. Nothing has been corrected on my report and TransUnion has claimed to have investigated and verified the accuracy of the information. TransUnion claims to have determined the information including my dispute information. TransUnion is accepting monetary gain from the furnishers of the inaccurate accounts as well as accounts that don't belong to me. TransUnion is engaging in parroting and TransUnion has not properly investigated ANY ACCOUNT furnished to my report and continues to defame me for financial gain. TransUnion has recently been found guilty of these same offenses by the CFPB and the FTC. TransUnion is claiming to agree to settle the invoice yet is requesting authentication documents that I do not have nor am I required to possess such documents by federal regulation, yet TransUnion has attained such nonpublic information against my will. I have never surrendered any non-public information or documents to TransUnion nor instructed TransUnion on what my report should entail, although they have taken it upon themselves to assume this vital role for monetary gain. Trans Union is still allowing collection attempts despite the accounts being under investigation because TransUnion is monetizing the inaccuracies on the report. These are the names of the specific items on the report in question, 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 the reason you for disputing is inaccuracy.

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 2023-11-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Used XXXX Toyota XXXX purchased in XX/XX/XXXX from XXXX Toyota dealer at XXXX miles for {$23000.00}. 
Ultra high interest rate 19 %. I was told after two months I would qualify for a reassessment of my interest rate for a lower rate aligned with the market. 
I tried over and over and after 6 months of on time payments around XXXX XXXX i could not lower my rate. Now it has been 11 monthly payments and I have never missed a payment. My credit is around XXXX and I cant believe I am stuck around 19 % interest my principle is barely being paid down. 

I was forced to get product bundles for this sale that are not relevant and did not want. 

I feel so taken by Toyota banking! Now I see there is a lawsuit and I want to be part of the class action lawsuit for this financial settlement per add ons I have been forced to pay up front and with interest! 
This has really hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Aloha, The problem is very simple, I suspect that the payoff demand that I received is a {$170000.00} too high. I have made 5 attempts since XX/XX/2023 to reconcile this situation. I've talked to three different departments, one of which is the " archived '' department, which apparently has no phone number and no response to emails. As of this date, I've never received the documentation that I requested. Now that time has passed and my suspicions are raised, here is the detailed list of what items that are needed to resolve this situation- 1 ) Complete copy of all pages of the loan modification agreement 2 ) Detailed breakdown of how the new loan amount was reached on said loan modification agreement ( line by line of every amount from the day of default to the day the loan modification payments started again ). MAKE IT LINE BY LINE AND DON'T LEAVE ANYTHING OUT! THAT INCLUDES ALL TAXES, ESCROW ACCOUNT ADVANCES AND ACCUMULATED INTEREST. 
3 ) With regards to the amount owned during the forbearance agreement period, I need to know the amount from the day we entered the forbearance period to the day the new payments were started ( with all taxes, escrow account advances and accumulated interest ). 

We sold this property in XX/XX/2023, which is when we received the payoff demand for the {$170000.00} overcharge.

Company response to consumer: Closed with explanation