BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
cfpb complaint # XXXX XXXX responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with non-monetary relief Company 's Response MrXXXX XXXX, We have requested that the derogatory remark be removed from your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF Account will be removed from the credit report. 

XXXX stated they will remove the remark but Transunion stated It will stay on as of XX/XX/19

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2021-07-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a item from XXXX XXXX on XX/XX/2020 at XXXX XXXX. Total amount : {$270.00}. 
XXXX XXXX website shows delivered on XXXX XXXX. Since I never received this item, I contact merchant and XXXX  immediately trying to find my package. The merchant suggest me ask bank to dispute it. So I contact a specialist at Goldman Sachs to help me get refund. After that, Bank says merchants provided detail that the item was left at the door, so they closed this case. I contact one merchants manager, she said she wants refund me but she cant. She must use the same way and card to refund. So I talk to bank again hope they can reopen this case so merchant can refund me. But they keep saying they can do nothing. I also provide them the managers cellphone number so they can call her. They just dont want help me to get refund. I want my money back and I will never use Apple Card ( Goldman Sachs ) again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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:
I have sent dispute letters and a FTC Fraud Affidavit to the Credit Agencies with regards to the following accounts that are fraudulently reporting on my credit file. I would like these accounts removed with your assistance : XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) US Dept of Education XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
While I was on vacation during XX/XX/2018, I missed a mortgage payment ( {$1500.00} ) which was an oversight. I had sufficient funds in my account but was not notified and I did not speak to a human being about the missing payment till XX/XX/2018. I paid the missing XX/XX/2018 payment in XX/XX/2018 and I was current on my mortgage payments. It turned into 4 ( 30-day Rolling ) (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/2018 ) late statements against my credit report. I'm currently trying to obtain a mortgage but there's 4 late payments in the last one year. I have tried to submit all the info to the creditor Bank but they denied to repair my credit report.

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 2022-11-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED XXXX XXXX ) - ( 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

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 2023-05-17
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I've filed a complaint with this company before on XX/XX/2021 SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress. This company will not accept my police report from my local agency I'm not understanding why I've sent in over 5 fraud packets, and they are ignoring me this is illegal this has been going on for 5 years I'm prepared to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Consumer complaint received 2023-07-26
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last summer I went through hard time paying my credit cards debt. XXXX XXXX XXXX came to my rescue with a debt consolidation plan. They did negotiate on my behalf with American Express and the agreement was I paid $ XXXX monthly starting XX/XX/XXXX. The minimum monthly payment was done as agreed. I never missed any payment. I was surprised with 3 months late payment reported to credit bureau by AMEX. They reported my account late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Through XXXX I disputed it twice. I contacted Amex many times. They refused to delete those late payment even with proof of payment by XXXX. As a result, my credit score dropped by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MA
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 Reporting Act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2020-11-27
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I filed two complaints against CASCADE CAPITAL , LLC. Complaints XXXX, and XXXX. Complaint XXXX was closed as a duplicate. Complaint XXXX was resolved with the attached response. The response details information and timelines on the debt that I will neither confirm nor deny at this time. However, more importantly, in this response, CASCADE CAPITAL , LLC states that " due to the repeated complaints filed by the consumer CASCADE CAPITAL , LLC is opting to close both accounts out as a refusal to pay. CASCADE CAPITAL , LLC has recalled both accounts and placed them in a status that will prevent them from being reassigned or resold. '' However, on XXXX, nearly 6 months later, I received the attached two letters from XXXX XXXX XXXX attempting to collect the accounts that CASCADE CAPITAL , LLC should have " closed out '', per the previous agreement. Note that CASCADE CAPITAL , LLC is named as the debt holder on both letters. According to the attached call recording, CASCADE CAPITAL , LLC had no intention on following through with this statement as the XXXX XXXX XXXX agent had no idea what I was talking about when I brought this to their attention. The account had been reassigned to XXXX XXXX XXXX  despite the agreement made through the CFPB via complaint XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
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:
I am having this problem with Carrington Mortgage Services LLC, for the last few months.Carrington Mortgage Services, LLC has opened a fraudulent mortgage loan account under my identity information on the XX/XX/XXXX of XX/XX/XXXX with a mortgage loan account number of XXXX. During that time, I had to business relation with Carrington, under which Carringtoncan issue such loan. 
The opening of the loan account was not disclosed by the company to me or to the Credit Reporting Agency for a period of 6 years until XXXX. 
When I discovered the issue first, I filed an identity theft report with the FTC on the XX/XX/XXXX. 
As a result, Carrington Mortgage Services , LLC closed the fraudulent mortgage loan account. Carrington as of today, has not provided any proof that could establish the legal validity of their opening the mortgage loan account. 
However, ever since the month of XX/XX/XXXX, Carrington Mortgage Services has opened and closed the account multiple times for no reason. Under FCRA, the creditor of any loan account is responsible to remove a loan unless and until they are able to furnish any evidence, record or proof in support of a loan agreement executed with a consumer. 
Carrington 's act of opening and closing the loan account is in continuous violation of FCRA and Texas Deceptive Trade Practice Act. 
Since Carrington is a third party mortgage servicer, such act of Carrington also violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had an auto loan with this company. On XX/XX/2019, the car was totaled. Shortly thereafter, my insurance company ( XXXX ) paid the car off. 

I requested that the balance on the vehicle be updated at that time, and I was told it would not be done until the " end of the month. '' The balance wasn't updated at the end of XXXX nor the end of XXXX. The balance on the car according to my online account is {$240.00}. 

All 3 of my credit reports show a balance of {$17000.00} on the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: OH
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOE/XXXX XXXX {$81000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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:
I called Equifax to dispute a collection account on my report that was being reported with no name or contact info for the credit. Equifax gave me the missing info and I filed a dispute as I do not have any outstanding bills with this company ( Credit Bureau Services, XXXX XXXX, CA ). I also called XXXX and they are out of business. The dispute came back that the debt was verified. How could Equifax verify the information if the company is out of business? I want Equifax to delete the erroneous information and stop lying to consumers are bout verifying information when THEY DO NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Fedloan refuses to tell me how many payments I have made that would count towards my Public Service Loan Forgiveness ( PSLF ) program. I received a letter in XXXX of 2018 letting me know that my employer qualified for the PSLF program and that they would contact me within 6 weeks regarding how many qualifying payments I have made. It's been a year and they still haven't completed their " audit ''. Every few months I call and they give me the same answer : " It hasn't been completed ''. I've been patient and understanding but I refuse to wait any longer. I suspect that they are attempting to find a way to discredit many of my payments that I have made over the past 6 years. I am losing sleep over this and want a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}

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 explanation
Consumer complaint received 2020-06-04
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting ( i ) bankruptcy in my credit report and ( ii ) wrong balances of my car loans from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX consistently. They are engaged in " willful FCRA '' violations. I have hopelessly spent over XXXX XXXX  in attempting to correct this issue and including many other credit errors, since XX/XX/2019 2019

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 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am reaching out to request some delinquencies to be updated on my credit files I know the account was charged off and I settled for a less amount of the balance. During the time of the delinquencies I was going through a really hard time in my life due to medical issues that kept me in the hospital for months and not being able to pay my bills in a timely manner. I am working to back track and fix all the issues my health has caused. I am requesting for a update of delinquencies that are reflecting from XX/XX/XXXX until the account charged off. If it was not for me being in the hospital starting in XX/XX/XXXX up until XX/XX/XXXX I would of tried to make sure I was faithful to my obligations. The account is also still showing open on my XX/XX/XXXX credit profile I am not sure if this inaccurate information that is reporting. I am requesting that it is updated to reflect closed.

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 2020-09-11
Company: ID Analytics, 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:
As notified before, i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: ERC
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 sent a debt validation letter certified to enhanced recovery company. They sent me a regular bill for {$100.00} which is not proof of validation. The bill also had an address I never lived at, heard of, seen before or been linked up to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The following account should be removed from my credit report I do not owe this debt. 

XXXX XXXX XXXX Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX and XXXX XXXXXXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
I would an investigation done of the following collection account, I do not owe this and would like for it to be removed from my credit report. 

Portfolio Recovery A Opened XX/XX/2014 + {$1200.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to covid-19 lost my job I was unable to work to pay my car note with Capital One I explained my situation and as soon as I got the money I caught up on all the car notes they assured me that they would remove all late payments now they saying they can't find any of the information they said they will reach back out to me and they haven't done that but I've been calling them once or twice a month

Company response to consumer: Closed with explanation