BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-05-09
Company: Experian Information Solutions Inc.
State: PA
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 reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : 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 2021-08-16
Company: EQUIFAX, INC.
State: OH
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:
Equifax did not conduct a thorough investigation of the account XXXX XXXX that is listed on my credit report. I have requested several times for Equifax to provide the evidence including documentation and who they spoke to about this account to determine that it is valid and reporting correctly, but they failed to respond. I have also sent 2 letters requesting validation of debt to XXXX XXXX since XX/XX/2021 and they failed to respond. This is a violation of my rights. Please see attached for the 2 letters sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been to court and was making payments as agreed as per court order. However, the debt collection agency ( XXXX XXXX XXXX ) refuses to send me monthly statements showing payments and balance on the account. I have reached out to them on several occasions with no success in resolving this issue. I stopped making payments due to there is no way on knowing when the debt will be paid with no statements. The debt collector is unreasonable and will not come to a reasonable solution in this case. Midland has taken money out of my account which are the funds from my monthly social security check. I received a letter about going to court to garnish my wages after the funds had already been taken from account with my social security. The balance continues to rise due to adding on late and attorney fees and court cost. I did not receive any notification about a court date regarding garnishing my wages. I have bank statements showing the payments that have been made to this company and the balance continues to go up. Midland has tried to collect this debt for XXXX XXXX XXXX the original creditor. The original creditor ( XXXX XXXX XXXX ) has solicited me to obtain another credit card. I used the card to see if it was legitimate but later called to closed the account. Please help with this in any way you can I am an elderly woman that can not afford anyone taking funds from social security benefits. I am the head of my household and spend a lot on medicine and doctor visits from my illness of being a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: LEXISNEXIS
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:
n accordance with the Fair Credit Reporting act US BKPT CA XXXX XXXX Reference # XXXX XXXX. 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 an account without my written instructions. Lexis Nexis did not conduct a proper investigation according to the FCRA. Nexis Lexis did not conduct family members. Nexis Lexis did not accurately verify with the courts. The courts clearly said they do not verify or give information to any consumer reporting agencies. Therefore, Nexis Lexis either made a mistake or lied. I was not able to submit documents. I can mail or fax documents from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 alerts that my credit was being accessed by Bank of America on XXXX. 
I immediately called BOA today is my fourth time speaking to them. I called XXXX on XXXX spoke to " XXXX '' who stated she was going to flag as " fraud '' and send request to Transunion to have inquiry removed from all three of my credit files. Said be patient as it could take 30 to 60 to 90 days. I waited a few weeks and then called back today to follow up. This time I spoke to " XXXX '' who said XXXX didn't flag anything but she would. She gave me a confirmation # XXXX as she was completing the form another inquiry from BOA came through. I'm getting alerts from everywhere that they accessed my credit file again. Very weird and odd. I never applied for anything w BOA on XXXX or on XXXX. I filed a complaint w my local police dept back in XXXX that I could possibly be a victim of identity theft and fraud. I'm attaching the police report. Also attaching the alerts from XXXX XXXX and a few other creditors who alerted me that BOA checked my credit again today. So I don't care if BOA doesn't have record of the second one there is one. I spoke to " XXXX '' a Manager at BOA who said the credit card dept was probably adding notes from the first application when the second one happened. Coincidentally it was done at the same time I called in. REMOVE ALL INQUIRY ASAP. Four attachments total.

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 2020-02-05
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 information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX - Account : XXXX* Creditor : ( BLANK ) - Account : XXXX**** Creditor : XXXX XXXX XXXX Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Account status incorrect

Complaint:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2018-04-18
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:
MY NAME IS XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX MY SOCIAL XXXX, MY COMPLAINT IS I DID A DISPUTED WITH EQUIFAX AND TOLD THEM THAT THE XXXX CREDIT CARD ACCOUNTS XXXX XXXX XXXX XXXX AND OTHER XXXX CARD XXXX XXXX XXXX XXXX ARE ALSO FRAUD ACCOUNTS, THESE ACCOUNTS SUPPOSED TO BEEN REMOVE OFF MY CREDIT FILE. AND ALSO THE XXXX XXXX XXXX XXXX ACCOUNT THAT HAS A BALANCE OF XXXX DOLLARS. BUT ITS STILL SHOWING PLEASE HAVE REMOVE EQUIFAX REMOVE THESE ACCOUNTS THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
The account balance is wrong across all three reports. Please remove inaccurate information from my 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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want my free annual credit report and or a complimentary credit report from all three credit bureaus. the reason for this request is updated info and victim of three scams online including fraudulent charges and identity theft.

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 2018-02-11
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Emergency XXXX of us in danger. 
# Current lender is not related in those problem.But owning home through people are taken benefits through us. 
My family own home which is in XXXX and XXXX of us in US are kind of like hostages on both side. My husband is only person of responsible for our mortgage payment. Evil Main diagram is if he lose job or lack of mortgage payment, divorce, medical problem or anything else may trouble of both of property in US and XXXX. Legally or illegally people attached both of us will benefit to draw out automatically if their system is fail. 
In XXXX, property has being holding by authority since XXXX. It is holding 9 years by now. In USA, I got a letter from XXXX XXXX that foreign asset controlled property under my husband name. Please contact me if FTC need further more info. People have taken accomplished their education, some of the people are getting job or already working using me. Those people distress me, ruined my name in XXXX and US. Those all problem come from hate people who was created their cell phone was stolen by me since XXXX. Their group of people mortgage lenders and associate agencies are still actively created this evil things done. They helped people and supported who need edu, immigration status got through from bridges of our both house. Even sec8 and 2 b room housing program were taken without my consent.Then both of us can be eliminated. Please help us. They made all agencies to participate that their clients need got through from us. Save us our lives. May be immidiately filing law suit. There would be safe of us both of us live in two countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted Transunion and XXXX  trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .Transunion and XXXX  have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now

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 2021-02-11
Company: FISERV INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Telecheck charged my account twice. I contacted them and sent proof that they did. I also file a XXXX  complaint against them. I was informed today that they investigated, did not have sufficient proof they had charged my account in error and had closed the investigation. 
The proof I sent them was the XXXX bank statement showing the check clearing the first time, and a " ministatement '' from the bank showing the check clearing again in XXXX. Perhaps they didn't accept the " ministatement '' I don't know. 
They also charged my bank an XXXX  fee in XXXX for XXXX dollars. 
I received a new case number today XXXX. 

I am submitting to you the information that was faxed again to Telecheck today. The person who faxed for me circled the items in question on the bank statements before faxing. That is the check for {$300.00} that cleared XX/XX/XXXX, the check that cleared XX/XX/XXXX for {$300.00} and the NSF fee of {$30.00} charged on XX/XX/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 monetary relief
Consumer complaint received 2021-08-16
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:
XXXX is reporting {$170.00} being charged off on this account on my credit report ... this is inaccurate..this account was paid in full and always on time ... .this 1 inaccuracy is holding me back from purchasing my home ... I have contacted XXXX  and Experian trying to get this corrected and it comes back verified ... how are they verifying this account being accurate when XXXX doesnt even have the contact information on my credit report..i have no way to dispute this inaccurate reporting with them as i should be able to by law ... ... how are the credit bureaus contacting them? ... .XXXX  and Experian have not even marked this account as in dispute as they should do by law ... i have sent written letters challenging the reporting ... ..Delete this now

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 2018-06-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My fianc was hurt on his job and we fell behind in bills, I had to choose between keeping roof over my head and food in the home of pay off my credit card bill. my balance on my chase card at the time I believe was {$5000.00} on one card and XXXX on a 2nd card I signed up for monthly payments so I wouldnt destroy my credit and I can pay down my balance somehow that program didnt go info affect and now my balance is almost {$10000.00} and all the payments I made didnt add up to anything,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rented an apartment from the XXXX XXXX XXXX XXXX in a buy out lease. I moved out early after providing written notice on XX/XX/XXXX. I provided my forwarding address via phone to XXXX on XX/XX/XXXX. I also checked their website for a bill on XX/XX/XXXX and XXXX it was not there. They had 30 days to bill me for move out and it was never provided. I never got a letter in the mail or a phone call. They never billed me in the lawful time frame but they put the debt on my credit. This negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: HYUNDAI CAPITAL AMERICA
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My leased car was return to Hyundai in XX/XX/XXXX. 
The Balance on my account as shown in the XX/XX/XXXX Statement was {$0.00}. 

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was reported as late. This is not possible as there was a XXXX balance. Please see the attached report from XXXX XXXX. 

I owed nothing but, I was reported as 30, 60 and 90 days late in payments to the credit bureau. 

I contacted XXXX XXXX XXXX and was told " you have not provided sufficient information for us to begin an investigation ''. 

I provided my XX/XX/XXXX statement and the credit report from XXXX showing a XXXX balance in the XXXX XXXX account, but yet payment for this XXXX balance was reported as late!! 

My credit score prior to this was XXXX, it has dropped over 100 points  through no fault of my own and XXXX XXXX XXXX  is not even researching the problem!!! 

I have never been late for any payment to any creditor in my life and I am annoyed and surprised at how dismissive and unwilling to fix their own mistake XXXX XXXX XXXX is being!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am requesting my annual free credit report from Equifax because of updates and am a victim of scams, fraud and id theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: DC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports :

Company response to consumer: Closed with explanation