BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I bought a vehicle from XXXX XXXX XXXX XXXX XXXX. For the entire year of XXXX I payed on the vehicle. I fell behind a couple times, but always came up with the money to catch up. Due to family issues XX/XX/XXXX of XXXX the car was repossessed. For the first 4 months the company reported to the credit bureaus that I was missing payments. I had to dispute this with the credit agencies for them to report accurately to no avail. Finally the account was closed with XXXX XXXX XXXX reporting a {$10000.00} balance was false. After asking them if the car was in auction or sold I was met with false information. Turns out the car was sold months before. XXXX XXXX XXXX finally reported that I owed XXXX this is after I'd seek legal assistance. This does not reflect any of my payments or the sale of the vehicle. XXXX of the finance staff told me that they'll make sure I cant get another vehicle with false reporting. This company is awful and poor and illegal loan practices. I'm seeking proof of the vehicle sale and date and for them to report accurately of the true balance of the vehicle. I've emailed them several times and no one has gotten back to me. This is hurting my score and making it impossible to get another vehicle. please help

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 2023-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as XXXX on XX/XX/2023. The truth matters!!!

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: Experian Information Solutions Inc.
State: SC
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 an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, XXXX, Experian ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX   yet the bureaus say they verified through XXXX XXXX  and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO EXPERIAN , XXXX  , XXXX 3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT  STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED

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 2022-01-20
Company: GLA Collection Company, Inc.
State: KY
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 never applied for anything with my credit and have just now been able to get into to check my credit score. Its showing 6 bad accounts on there which do not belong to me I never signed up for anything never knew how to. I am XXXX and feel I have been stolen from. I am on XXXX XXXX and I have always had state insurance where everything has been paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2019-09-23
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was sold to SLS ( specialized Loan Servicing ) XXXX, XXXX. A dispute regarding funds deposited with XXXX, previous servicer existed and were not related to SLS causing my payment to dramatically increase with little or not adjustments to my hazard insurance or tax base. The figures causing my payment to go up do not accurately reflect funds that should have transferred from previous servicer to current servicer of my loan. Discussions with SLS on XX/XX/XXXX and again on XX/XX/XXXX indicate discrepancy. 

Thank you for the explanation of how the escrow analysis is achieved. This however does not explain the discrepancy of funds as processed by both SLS and XXXX. 
Taxes paid in XXXX were XXXX, and XXXX were XXXX. Hazard insurance paid in XXXX were XXXX, XXXX were XXXX and currently are XXXX. Clearly there is no need for any increase in monthly payment, rather a decrease. There needs to be a complete review of escrow withholding and reporting dating back to XX/XX/XXXX. I believe there is inaccurate accounting and reporting or 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 explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-07-06
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Dear BANK OF AMERICA, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name BANK OF AMERICA , N.A . 

Account number XXXX Account type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2018-02-09
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: Personal information incorrect

Complaint:
XXXX I have contacted Equifax 4 times a month since XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017, XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address. I have submitted a complaint to XXXX and this was the response : Dear XXXX XXXX, we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX XXXX, Florida XXXX is currently not reporting on the Equifax credit file. Please note that for future disputes of credit report information, you may visit www.equifax.com.  Clearly there was no investigation, because every phone call had nothing to do with that address, they never too the time to review the calls or disputes!!! This is fraud, they will not even let me dispute online. Each time I call they tell me they will note the account. If there is notes on the account then they would investigate this correctly and have the correct address. There should only be one address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Experian Information Solutions 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:
My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that Experium ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with Experium with no results except to tell me that no adjustment would be made. XXXXx also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : Experium XXXX, XXXX XXXX and XXXX XXXX. They all should be in the 800 range as I value my credit very much.

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 2019-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX and XXXX is supporting Capital One on leaving a business account on my personal credit report. I disputed so many times with them and unfortunately they refuse to take it off by allowing Capital One to say for them to keep it there. Please help me, my business name was XXXX XXXX XXXX XXXX and unfortunately it is not in business anymore because it didn't bring enough revenue. Thank you!!! XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
ISSUE : FAILER TO ASSIST WITH THE ASSUMPTION PROCESS OF A LEGALLY ASSIGNABLE MORTGAGE We have a current VA mortgage with Freedom Mortgage, all payments are current, with XXXX late payments. We contacted Freedom Mortgage in XXXX of XXXX to inquire if our loan was assumable. They confirmed it was and mailed us a form to start the assumption process and give third-party authorization to our buyers. We completed the form in full, and both faxed and mailed a hard copy on XX/XX/XXXX. We and our buyers have both tried repeatedly to contact their assumptions team to get the assumption process started all to no avail. Every time we've called, they've stated the assumptions team is backlogged and we are in queue to receive a call back within 3 days. I've not received a callback, ever. They communicated to our buyers that they would call them to process their application on XX/XX/XXXX, however, the buyers never received the scheduled call. They indicated there is no process to do this over the phone, it all had to be done over the phone. If we do not close this deal on time, it will cause significant financial harm to our family and we feel strongly that Freedom Mortgage has failed to uphold its legal responsibility to service our loan in a prompt and reasonable manner, per 1024.38 General servicing policies, procedures, and requirements.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: LA
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:
see attached

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 2019-12-24
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: Their investigation did not fix an error on your report

Complaint:
i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified ; that i  have disputed. please resolve this issue immediately

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 2020-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: AES/PHEAA
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have previously disputed the accuracy of payment to Fed XXXX as reporting this account as late for 120 days. I was never late on this account and it is damaging to my credit profile. This account need to be updated to a positive payment history immediately. This account was updated with XXXX and XXXX but XXXX isn't being helpful at all and continues to report negative and unverified payment history that are very damaging to my credit profile.

Company response to consumer: Closed with explanation