BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-16
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have paid on my loan multiple times dated XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX of XXXX because of covid I was not able to pay XXXX and XXXX XXXX on my loan. So I called them that i will make payments starting on XX/XX/XXXX if they could waive the XXXX $ fee per month, she said yes will waive it so start paying XX/XX/XXXX i paid XXXX  my monthly of XXXX because I was trying to cope up with my missed payment but on my Citibank app I have payment due that is coming more that my monthly amount of XXXX $ XXXX paid it anyways because I don't XXXX XXXX be charge with fees, then I tried to contact them but never had the chance to talk to someone from the loan department because they will put you on hold for more than XXXX then it will hangup. I went to XXXX of the branch to talk regarding my loan it's my last month of payment but I told them I believe I paid more than enough on my loan, Citi branch XXXX called the loan department they talk and suggested to me to pay the last payment and if there is something wrong or they maid a mistake they will refund it to me, so I paid that day XX/XX/XXXX, then i ask regarding those multiple payments that i paid where did it go, from the loan department said they can not see it on my file because it's more than a year but we can request it and it will available after XXXX hrs. Then I went back to the branch XX/XX/XXXX XXXX XXXX the XXXX called them and was able to talk to someone from the loan department her name is XXXX so he handed me the phone to talk to her and I was asking about the multiple payments that I made where did it go? And still no answer to it was given to me instead she said I will call you on Friday I will investigate on it. Friday comes no call from her until now. Then I send a certified mail on XX/XX/XXXX requesting my statements from the my loan start until my last payment, and I also ask on that letter about my multiple payments that I made but until now I didn't received any letter or call from 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 2023-01-16
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Concerned that the information I report in employment online screenings are being used or intercepted by the wrong people including XXXX XXXX XXXX to harass and discriminate against XXXX people to " keep them from becoming successful ''. Below is a complaint I submitted about how multiple survey sites are being used as well. 

I am concerned about information getting out from multiple survey sites into the wrong hands including XXXX. There is a local church community ( XXXX XXXXXXXX XXXX XXXXXXXX ) involved with trying to 'study ' a XXXX person before they tend to XXXX XXXX. My name is XXXX XXXX and I am living in XXXX, CA with rumors from these conspiracy groups that I have XXXX XXXX XXXX myself by now with the XXXX XXXX XXXX from Florida calling to check on me after seeing a missing person 's post. These organizations are utilizing survey questions that I filled out over the years to create a false reality to try to cause me fear, become violent or make me XXXX, none which I am in order to " study '' me further. Supposedly they have placed some device in my head, but have no idea what or how it is utilized besides people at XXXX XXXX XXXX where I reside responding to thoughts. There is a hole in my head that wasn't previously here. They created some sort of " XXXX XXXX '' story and the small town of XXXXXXXX XXXX people are obsessed with me having a XXXX listed as a XXXX XXXX. Yesterday impersonating of a XXXX XXXX XXXXXXXX was used to put a homeless man 's dog down just for this XXXX to study how a XXXX person reacts. This town lists XXXX XXXX as the President in their XXXX phone book. There are multiple key players involed in using these online survey sites such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  organizations. I am being told now I can not leave the Town of XXXX and because of being financially unable to leave I am trapped in my apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I come and go freely and since moving here XX/XX/2021 I became a XXXX at the local XXXX, just to have the local XXXX involed now with a XXXX XXXX complaint. Please remove these survey sites as they are being used to harm the XXXXXXXX XXXX XXXX XXXX XXXX, homeless and people of XXXX community. I previously used only XXXX internet for my home computer and phone by using my mobile hot spot so also concerned XXXX is involved. 

Chase Bank in the XXXX XXXX XXXXXXXX is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Please update ASAP.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
When I reviewed my credit report again, I discovered that some of the information that is still erroneous. The accounts should be verified since I sent letters back on XX/XX/2023. Again I am redisputing in order to correct the accounts that linger on my credit file/report. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2023-01-23
Company: LEXISNEXIS
State: VA
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 disputes a bankruptcy on my XXXX credit report and XXXX told me that they verified through lexis Nexis. I already contacted lexis Nexis and they told me there was no bankruptcy on my report. XXXX also lies that I should contact XXXX and when I contact XXXX they told me to contact Lexis Nexis. This Credit bureaus are playing games and disregarding FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: VA
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:
They advised me that they investigated with the company and the negative account ( and its impact on my credit ) remains as accurate. The account was PAID OFF the same day after it was reported 30 days late. I want the status update to reflect that it has been paid off. Please see the attachment for additional info. 

The fact that I have to report the credit bureaus every other day is absurd. Why is it so difficult to do your job? You are going to find yourself landed in court with another lawsuit if my credit report continues to be inaccurate and youve been given multiple chances to make the appropriate corrections ( with evidence ). 

You have been warned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
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:
Toyota shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid two to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. Toyota has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX Toyota tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from Toyota and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: VA
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 shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it XXXX days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from XXXX and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections is not mine 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 2023-06-06
Company: Experian Information Solutions 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage company took over my loan and now there are errors on their billing statement and their voice-mail is designed to not allow a real person to answer the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2023-01-23
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this inaccurate and unverifiable with Experian on numberal occasions and Experian continues to report this account # XXXX by XXXX XXXXXXXX XXXX On XX/XX/XXXX, Experian say they contacted the furnisher and the account is verified and accurate. How can this be when inaccurate and unverifiable things are still reporting wrong : Last Reported Dates inaccurate, XXXX and XXXX reporting inaccurate, Payment History inaccurate. In comments Experian reports account sold to XXXX, Question then, why XXXX not listed on consumer report. Why are you reporting 120 days late then CO, CO on XX/XX/XXXX and XX/XX/XXXX. I'm writing this dispute letter because you failed to legally verify this account. I may not be an attorney, but I'm aware that you can't just tell me what the creditor tells you and that you must actually furnish the documentation to prove that my claim of inaccuracy is incorrect. Section 609 states that you are required to furnish the documentation that I filled out when this account was opened and if you can't prove legal ownership, the accounts need to be removed. Continuing to report these accounts is a violation for false reporting. Once again, these are the accounts I am disputing and I need to see everything with my signature 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 2023-01-15
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: Was not notified of investigation status or results

Complaint:
I sent the letters on XX/XX/2022 and I'm hoping that this issue I'm having would be resolved by now but the company obviously won't act unless I seek help from consumer law experts. There are a lot of inaccuracies and errors in my report so please look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I apologize to all involved for my delay in speaking I've had a mental illness that has worsend over time and ..well any chance I can request judicial review for a default judgment inwich needs to be hold immediately.appealThere has been a big misunderstanding involving penalty fund deduction from all or any accounts by mistake there are unfair fees associated fees on transactions without chance to resolve or dispute in any fair time, I don't have any legal council, I've not tried hiding or run making matters worse ..please allow accomodations request for all these legal problems. It's destroyed my character and getting way worse

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 2023-01-16
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: Information belongs to someone else

Complaint:
This is my XXXX 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 accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX 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 accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-11-12
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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