BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously disputed XXXX accounts to the transunion in XXXX, that was listed under this same company who has changed their name of XXXX XXXX and now calling themselves XXXX XXXX as a way to keep a debt that was closed in XXXX and discharged XXXX XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX XXXX XXXX XXXX XXXX XXXX Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX XXXX XXXX aka XXXX XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the transunion credit reporting agency and affiliates are still showing this as a collection on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
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: Billing dispute for services

Complaint:
As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with Toyota financial and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with Toyota. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The chase auto financial repossessed my vehicle on XXXX/XXXX/16 because of my late payments. I got fired on XXXX and could n't get a job for XXXX mon. On XXXX/XXXX/16, I talked with XXXX of rep. regarding the reinstatement. I had to pay {$2300.00} by XXXX/XXXX/16. At that time I have just started a new job so I asked him if I could get some more time, he repeated answer " we ca n't time arrangement ''. Till XX/XX/XXXX2016, I tried to gathered money but could n't. I was giving up but my mom borrowed money for me on XXXX/XXXX/16. I called to the chase if it is too late to pay, the rep. denied because due date is already passed. And blamed me that why I did n't request the extension when they sent me a notice. I have never receive the notice. Also I do n't even know there is the notice they should send me after the repossession. So I requested them a copy of notice they sent me. It says I have the right to request the extension. I feel this is so unfair. I lost my right because they failed to give me a notice. If I receive the notice I could request the extension and I have the funds two day after the due date, I could get a car back now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF 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 2022-03-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, XXXX and Experian. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.

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 2021-01-11
Company: Experian Information Solutions Inc.
State: NJ
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 recently ran my credit report and saw incorrect information reported by XXXX XXXX. 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.

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 2022-10-13
Company: EQUIFAX, INC.
State: MO
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:
Reporting Agencies and failing to comply with the Federal regulation. I previously ordered a copy of my u [ dated Credit report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I am urging the Credit Reporting Agencies to check the payment history, date open, last activity and Status of the Accounts ; XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}, as I believe these accounts are reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: IQOR US INC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
A company named Allied Interstate is calling harassing me about my ex-husband, XXXX XXXX 's student loans. I have explained at least 5 different times that my cell number is not his number. I do n't have another phone number for him. Several reps repeated his last address they have on file. That is the last known mailing address I know he has. I do n't interact with him. I was left a message by an employee that he would continue to call until I provided another phone number to reach 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 2016-06-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I began a lease with Ally Bank in XXXX XXXX on a XXXX XXXX XXXX. I was instructed that I could turn the car in to any XXXX Dealer. On XXXX/XXXX/XXXX, I turned the car in to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, CA XXXX.The car was accepted by XXXX XXXX and I was given an Ally Smartlease Odometer Statement. For a long time, I did not receive anything from Ally recognizing the turn in of the vehicle. I contacted them in XXXX XXXX and Ally said they did not receive any info from XXXX nor receive the car. I then contacted General Manager XXXX XXXX at XXXX asking what happened to the car and the reporting to Ally. He could not find any paperwork on Ally picking up the car. So, XXXX filed a Stolen Vehicle report on XXXX/XXXX/XXXX with the Dept of CA Highway Patrol. Meanwhile, Ally keeps dinging my credit rating. After many calls and providing the Odometer statement again to Ally, I was able to finally receive a payoff amount of {$710.00} from an Ally employee name XXXX. I immediately paid the amount. Then I received a letter dated XXXX/XXXX/XXXX from Ally stating that there was an amount due of {$76.00} and that it was also a Notice of Intent to Report Negative Information. So, I contacted Ally immediately, and provided the Odometer Statement and Vehicle Report to XXXX in Cust. Svc.. Yet, Ally again dinged my credit rating on XXXX/XXXX/XXXX. After many calls, Ally said everything was cleared up and I received a check dated XXXX/XXXX/XXXX for {$1600.00} for Refund of Payments after vehicle turn in. Then I received another letter dated XXXX/XXXX/XXXX from Ally stating that my account was referred to their Asset Recovery Center and that I owed {$20000.00}. And I was again dinged on my credit rating by Ally on XXXX/XXXX/XXXX. After making several calls, I was told Ally needed to do an investigation and I was asked to again send them the Odometer Statement and Vehicle Report. I faxed the info to them and included a copy of the remittance check stub I had received. Still no resolution and Ally again dinged my credit rating on XXXX/XXXX/XXXX. I ca n't keep having my credit rating go down and I am not responsible for the {$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 monetary relief
Consumer complaint received 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have not been able to obtain my credit report online from transunion. When I origonally applied on annualcreditreport.com I obtained reports for XXXX and XXXX, but transunion said that the report was not available online. It said that I would receive the report through the mail. Transunion sent me a letter issued on XXXX/XXXX/2015 that stated that my credit report was not available due to " Disclosure Request - Proof of Current Mailing Address ''. I tried to speak to someone today, XXXX/XXXX/2015. It took me over three hours to maneuver their system until I could speak to a representative that spoke English as a first languge. Once I spoke to that person my issue was explained and resolved in less than ten minutes. I have no particular issue with foreign call centers in general, but the language barrier was the main reason I was frustrated in my attempts to make a simple transaction in a timely manner. I spoke to no less than XXXX different associates, and was channeled to at least XXXX different numbers before resolving my issue. This is absolutely unacceptable. The Consumer finance protection acency was created precisely to deal with these kind of issues. I would have a hard time believing that these barriers do n't exist with the purpose of creating frustration for consumers. Several times during my ordeal I was offered financial products. I 'm sure that many individuals agree to purchase these produts rather than continue in the endless series of loops and hoops designed to wear you down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Phoned Transunion and spoke with a Rep inform them I had been a victim of the their credit inquiry issue ... .to include the following inquiries 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 2015-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
how can a disputed claim be taken off my credit report then a month later just put back on again????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Fein, Such, Kahn & Shepard, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Sat XX/XX/XXXX I received a letter in the mail from a debt collector stating they were suing me to garnish my wages however, this debt is not mine AND furthermore this debt collector is located in NJ and I live in CA. 

Additionally, I have checked my credit reports dating back to XXXX ( I can provide copies of all years if necessary ) and can not find this creditor on any of my reports. It appears as though this debt collector is attempting to collect and garnish my wages for a debt that does not belong to me. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Different 3rd Party Debt Collection companies continue to buy and resell and report to XXXX credit agencies some bogus debt supposedly owed to XXXX XXXX for unpaid telecommunications/internet services which I never had. I have lived at current address for almost 4 years and had XXXX XXXX for nearly 10 years. This bogus debt keeps reaccuring on my credit report from various 3rd Party debt collectors whom can not vaildate the debt and do not possess the required documents to support their claims. They continue to renew it and it comes up as recently reported as recently as a week ago. Sometimes it is reported multiple times on the same credit report as slightly different debt, for under {$200.00} dollars most often as {$56.00} or {$150.00} dollars debt. This needs to be removed and the credit bureaus refuse to take any action to remove this despite it being in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was purchased by Freedom Mortgage in XXXX of XXXX. In XXXX of XXXX, we made an extra " mortgage only '' payment that was incorrectly processed by Freedom resulting in interest and escrow being deducted from the extra payment. I discovered the error in XXXX, XXXX and are still trying to get the situation corrected with confirming documentation from Freedom. In addition, in XXXX of XXXX we received notification that our escrow account was deficient {$440.00} and we could pay it in a lump sum or they would increase our monthly payment by {$39.00} for the next 12 months. We submitted the {$440.00} payment, but they incorrectly allocated that payment and instead increased our monthly payment. Over the past 18 months they have increased and decreased our monthly payments without cause or notification. Freedom has been difficult to contact, as you typically speak to a different customer service representative each time you call and must re-explain the situation each time. The escrow department is not communicating with the payment department, hence incorrect information is being used for analysis. I have been dealing with Freedom on these issues for 4 months, but there is no urgency to get the problems created by Freedom Mortgage resolved quickly.

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 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
capital one credit card was connected to checking acct. until CAPITAL ONE CLOSED BRANCHES.I clearly asked them not to go OVER {$1500.00} on limit, by calling CST CARE. I was fine paying Monthly under {$70.00} and now am getting PAYMENTS of over {$210.00}!! That '' s almost half of my MORTGAGE House payment. I work XXXX hours daily and DO NOT have time to call and wait for assistance on 30 min. Lunch.All I do is by text or EMAILS. I know I OWE the card. But, am single and with no EXTRA help, and feel I should file BANKRUPTCY if Credit card payment is that high! i would like to stay with PAYMENT of {$65.00} as ALWAYS. I don't understand, when I hardly use card, how it went up so high

Company response to consumer: Closed with explanation