BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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 checked my credit report and saw XXXX XXXX XXXX for XXXX XXXXXXXX XXXX  XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was incarcerated. As they can see from account opening there was never any activity on the 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 2019-02-20
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Last year, we had two significant hailstorms, and my house required substantial repairs. My insurance company paid for the repairs but required my mortgage company to co-sign on my check. I sent them three checks valued at : {$1400.00}, {$2800.00}, and {$23000.00}. They withheld 10 % of the total value of my claim ( {$4700.00} ) until the work was 90 % complete. They must inspect all work before they disperse portions of your insurance check. Several of my fellow soldiers on XXXX XXXX warned me that this company was taking their money and placing it an interest-bearing account then refusing to disperse the money when the work was complete. 
On XX/XX/2019, we contacted LoanCare to get an inspector to my home. They failed to send an inspector for nearly two months and refused to allow me to speak to a supervisor. I've requested an inspector every week since and to talk to a supervisor and they continue to ignore my requests. They typically say, " it's been escalated, '' or " there's no supervisor available you one to call in 48 hours '', and " the vendor hasn't responded. '' Despite my frequent requests, there has been no inspection scheduled, no supervisor has ever contacted me, and the remaining funds have not been released. I need to pay my contractors and shouldn't suffer consequences because of the company 's inability to assign an inspector.

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 2018-08-01
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from Allied Interstate LLC. claiming that i had a debt of {$19000.00} from a XXXX XXXX /XXXX   account. I have NEVER procured, solicited or entered into any contract with XXXX XXXX/ XXXX over any of their services or products. I would also like to stress that the first name that appears on that account is not my own. This fact alone should make their claim null & void. I have asked for proof of claim for them.

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 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 became unemployed. I called Capital One on XX/XX/XXXX to notify them of this and to see if there was some type of hardship program they offered their customers facing financial difficulties. Minimum payments were at $ XXXX monthly for this account and being recently unemployed that was something I just could not afford to make due to other more important financial obligations. The agent I spoke with said there was a " special '' program I could be enrolled in and asked how much I thought I could afford to pay, I said I could afford to pay {$25.00} per month. The agent stated that during the time I was on this " special '' program there would be no late or over the limit fees and when I became employed again and could pay more to call and let them know. My payment is due on the XXXX of every month. I've made 3 payments of {$25.00} each, for the months of XXXX, XXXX and XXXX. Capital One has reported to the credit bureaus that the payments are missed and/or late which is incorrect. On XX/XX/XXXX I called Capital One about the inaccuracies being reported to the credit bureaus and was told by the agent I spoke to that being on a " special '' program doesn't help at all and I was given incorrect information by the agent who enrolled me in the " special '' program. Capital One is the only creditor that has refused to work with me regarding my financial situation. I've disputed the inaccuracies with the credit bureaus because it is in fact incorrect, I have not missed a payment nor am I past due and this information needs to be updated on all 3 credit reports to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: CITIBANK, N.A.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter dated In XX/XX/XXXX that due to a system error on their end i had an application denied for a secured credit card. The denial placed a Hard pull or Inquiry on my credit report dated for XX/XX/XXXX. I do have a secured card with Citibank which i applied and was approved on XX/XX/XXXX. I am asking the XX/XX/XXXX Inquiry to be removed due to no fault of my own. 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 non-monetary relief
Consumer complaint received 2022-01-06
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:
XXXX XXXX XXXX XXXX CARD- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : Transunion I've been trying to fight with transunion and XXXX for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to me.

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 2021-01-22
Company: EQUIFAX, INC.
State: IL
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX 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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting incorrectly a collection in the amount of {$500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX XXXX in search of an internet provider. I was talking to a customer service agent and the telephone call was disconnected before I could give them any credit card information. I tried calling back and was routed to an overseas help desk and I was unable to understand what the representative was asking me. I asked the representative to transfer me to a supervisor. They were unable to transfer me to a supervisor. I then asked the representative to immediately cancel any service I allegedly signed up for. I was not aware, since no money was exchanged, that they could just send me to collections for an account I did not agree to open up, and had specifically asked to be cancelled. I never received any statements and consequently had no knowledge that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the  bureau to remove this however, I have not been successful.

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 2023-01-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 been disputing accounts on my credit report every thirty days for almost a year with TransUnion ; I filed a complaint with the CFPB in XX/XX/2019, last month, regarding their erroneous, invalid and unverifiable reporting of specific accounts and inquiries. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable accounts and inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action but they ignored and/or overlooked my requests ; TransUnion decided to update records ( still in error ) instead of complying with Federal Law and DELETING unverifiable accounts. I took it a step further ; not only did I contact each phone number they provided, I was also able to confirm with each alleged furnisher that no investigation was conducted by TransUnion and that there is no record of any consumer contract with my signature on it, clearly reporting violations. TransUnion has failed to conduct proper independent investigations, provide methods of verification, provide verifiable proof via original instrument of indebtedness in its original form on multiple accounts and has also failed to provide verifiable proof of permissible purpose on inquiries they continue reporting in error. I understand TransUnion is a for profit business, so they cater to their customers ; the alleged furnishers in attempts to keep consumers credit ratings lowered in order to conduct more business with predatory lenders for obvious reasons. But, the consumers do have rights ; all accounts being reported on all consumer credit reports must be 100 % verifiable and 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer.

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 2022-09-09
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 accordence with the Fair credit reporting act XXXX  Account # XXXX, # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to XXXX in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with Experian on XX/XX/2020.

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 2018-08-01
Company: First Associates Loan Servicing LLC
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX, I enrolled and began classes at XXXX XXXX in XXXX XXXX, La. after a few weeks of classes, I began having difficulties with my instructors, such as inability to understand her speech, as she was from another country, and substituted many words and phrases with her native tongue. So, after requesting a change of courses, I switched from drafting and design, where i originally had issues, to criminal justice where id hoped to continue my education, only to receive an inaccurate attendance record, despite having all assignments and any homework from the " missing '' days. Boiling down to instructor errors, they terminated my instructor and hired a new instructor who started doing the same thing, if not worse ( making it seem as if i was not showing up for course hours ). I was promptly let go from all courses toward the middle of XX/XX/XXXX due to these inaccuracies in attendances. Overall I was enrolled from the summer of XX/XX/XXXX, to the fall of XX/XX/XXXX. I understand that I do not fall under the discharge of student loans due to their closure, I feel I am a victim of fraud as they could not supply me the education I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I was scammed when buying a purse from someone on XXXX. The person told me if we can do the transaction through XXXX which was secure. And her bank chase had it. She said nothing to worry about youre money back is guaranteed. And everything was all a scam never got anything try calling back the person the number was disconnected. My bank also Chase couldnt help since they said the transaction was authorized. It is very frustrating! I just lost {$470.00}. I also went to the police department and file a report. And the reason why I knew it was a total scam was because the person had re-posted the bag for sale the next day Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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 fraud alerts or security freezes

Complaint:
Experian is not providing timely access to temporary removal of my credit freeze. Today I called their number twice and tried to log into their website to lift my credit freeze with them as requested by my Credit Union i wish to take out a car loan with. Their phone number requested I mail them a letter with an absurd amount of my personal information and their website was not working saying it was down for maintenance. 
Date XX/XX/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 non-monetary relief
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. I have follow all the fcra codes to have this account blocked and removed, but this company disregards all the rules.witch puts them in violation of the clear provisions of FCRA 605B ( c ) .the account is XXXX XXXX XXXX  with a balance of 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 2020-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XX/XX/XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation