BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX XXXXncorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with Equifax, XXXX, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, Equifax, XXXX, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, Equifax, and XXXX. 
XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
XXXX ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX  to correct the issue they initiated. No response. 
XXXX ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-10-03
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
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 non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple attempts, I am writing to express my extreme frustration and concern regarding the continued presence of fraudulent items on my credit report, which are needed them to removed. These fraudulent items are causing significant harm to my creditworthiness and financial well-being, and it is imperative that they be rectified as a matter of urgency. 

I have previously submitted multiple dispute letters to your bureau regarding these fraudulent items, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough investigation into these fraudulent items and take immediate action to correct my credit report by removing them. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and free from fraudulent information, and the continued presence of these items is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the fraudulent nature of these items, such as police reports, affidavits of identity theft, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the fraudulent items, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, please ensure that you notify the creditors or entities associated with these fraudulent items about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these fraudulent items on my credit report poses a severe threat to my financial stability and creditworthiness. I implore you to prioritize this matter and work diligently to resolve it promptly to restore the accuracy and integrity of my credit history. I am asking for your assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7300.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 XXXX of my NUMEROUS 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 and XXXXXXXX XXXX XXXX XXXX. Please remove these accounts 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2022-12-03
Company: Maximus Education, LLC dba Aidvantage
State: SC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Carvana Group, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Purchased my 3rd Carvana vehicle back in mid XXXX. Was told payoff of trade-in, also purchased through Carvana, would be paid off within 10 days. After two weeks and no payment received at the bank, called back into Carvana and was told that payment was already made and to give more time. Called back in after a few more days and was told that the original payment was never made and that there had been a glitch. Was told that payment was being mailed out that same day and would be providing tracking info. Received tracking info later that day that turned out to be bogus. No check had been mailed. I remained in contact with the bank who has to-date still not received payment after 6+ weeks. I have made payments on both cars now and have another payment due on a car that has been in Carvana 's possession for 6 weeks now. In speaking with Carvana rep again, relayed that pay-off bank was requesting payment be made by over-night check complete with relayable tracking number. Was told by Carvana rep that they would do that today and have the tracking number emailed to me and posted to Carvana account by XXXX today. As we were wrapping up call, the system updated and the rep explained an issue that the agreement was posted incorrectly and that they were not sending a check, but going to attempt a transfer ( after failing at least 2 times over 6 weeks ) again. I reminded rep about need for tracking info and the agreed upon overnight check. Rep agreed and reached back out to funding about our agreed upon terms and was simply told that they were no longer overnighting the check. Rep 's hands were tied and could not override their funding department. Tried multiple times to communicate the agreed upon arrangements with them and was rejected. I have 0 confidence in Carvana 's ability to do what they say at this point and would like consumer protection to investigate their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are addresses listed on my credit report that I have never lived at or incorrect : 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

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 2023-10-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an auto loan with XXXX XXXX that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called XXXX XXXX and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, XXXX XXXX is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called XXXX XXXX and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.

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 2022-09-22
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Goldman Sachs Apple Card Credit card issued by the above entity was randomly closed and no reason for account closure was sent. Payments were made and possibly because a balance remained. It is also possible that my personal phon was compromised in a way that made have multiple characters posing as me. 

Name : XXXX XXXX XXXX XX/XX/1992 Heritage : XXXX Current : XXXX XXXX XXXX XXXX Possible Identity theft. 
My SS XXXX XXXX reported stolen passport XXXX One renewed passport in Texas post office And passport card. 
1 temporary passport issued at foreign embassy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on my credit report i have a collection that is not mines from XXXX account # XXXX last activity date XX/XX/23 XXXX XXXX they are confusing me with my twin sister another collection on my report is XXXX XXXX XXXX Account # XXXX last activity date XX/XX/23 XXXX XXXX again not mines my twin sister i would like them to take it away

Company response to consumer: In progress
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX was opened under my name. I called the company and reported that it was fraud. Not sure how the have my information.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I called the day the insurance company mailed the check, XX/XX/XXXX, to find out what to do with the check and what documentation would be required. I was specifically told not to endorse the check ( confirmed 2x ) and requested contractor documents. I was told no information could be provided until the check was received. 
Called XXXX after express mailing check, XX/XX/XXXX, to find out next steps. Was informed the check needed my endorsement and this type of loan requires additional contractor package. These were both to be sent back XXXX  to me. 
I received the check on XXXX, still no contractor documents. Too late to call so contacted Citizens Bank XX/XX/XXXX, after XXXX XXXX holiday. 
The date of loss was XX/XX/XXXX, so now the insurance company wants to know why the check hasn't been negotiated or work started. The HVAC was destroyed and is leaking down the cabinets and wall of the kitchen. It would seem to me these documents could be emailed but, they said they would XXXX them... again. This is the 3rd time of record they have them being sent. I check the mail every other day and my neighbor lets me know when packages are delivered. 
I would think Citizens would want to protect their collateral and ensure repairs are started timely. And if I have to pay for it myself, well the mortgage payment might get lost in a XXXX envelope. Apparently those don't have tracking anymore. 
There's nearly {$100000.00} in damages and I can't live there until it's fixed. I'm sure they don't mind, but my allowable living expenses only extend for so long. 
I've been told this type of loan requires additional documentation and special handling, I can't use a portal for most things, and have to speak to people after going through push button XXXX and holding for a person that is less than knowledgeable and likely have me calling to repeat the process in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success.

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 2022-12-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft on XXXX  XXXX XXXX reported on XX/XX/2016 amount {$7200.00} and XX/XX/2016 amount {$6100.00}. But I did not use it at all. I will attach police report documents to support my complaint .Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Deceptive Collateral Protection Insurance Practices XXXX. The website was down and being renovated during the pandemic and since has been restored and upgraded. 
XXXX. While looking at the balance sheet on the new web access the deception is on the balance sheet where there is a curious line on the statement that reads ... '' DISCOUNT ADDED ''. There is no other description with regard to these words that appear positive in nature. We had no way of knowing at that time that this was collateral protection insurance. Due to the ineptitude of the website and their failure to communicate with us fairly they successfully hid what they were doing. We didn't find out until a year later when we were doing our taxes. At that point there is no remedy to reverse these charges which are deceptive, incomprehensive, and excessive! They provided no correspondence on how they calculated such an exorbitant amount. When we contacted them for an explanation they actually threatened to repossess our vehicle even through we are not late on any payments.

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