BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, my wife and I requested a credit investigation with Equifax. As of today, well over 30 days have passed, and we have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have a report of XXXX hard inquiries reflected on my XXXX XXXX reporting of my transunion credit report. There should only be XXXX : XXXX of the inquiries were made on the same date, and were made to obtain an auto loan ( had I know the car dealership was going to do that, I would not have authorized the inquiries ). According to all the credit scoring information out there for consumers, these should only show up as a single hit to my credit score, but they 're not. They 're showing up as XXXX. I tried asking the lenders for a letter of deletion, as I was instructed to by transunion, but the lenders refused, saying that to do so would be illegal.I have asked transunion to remedy the problem, and was directed to ASK THE LENDERS FOR LETTERS OF DELETION THAT THEY WILL NOT PROVIDE. The scoring model that XXXX uses is the XXXX model, and XXXX will not fix the problem either, directing me back to transunion. Meanwhile, I 'm trying to get a mortgage and can not pull my score up by those XXXX, very necessary, points. I feel as though I 'm being held hostage by this process and have no remedy except to sue somebody, an that wo n't solve the problem quickly enough to help me secure the mortgage I need to get my family into a very reasonably priced home.

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 2020-08-18
Company: Peoples Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with PEOPLES FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PEOPLES FIN with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018, XX/XX/2018, XX/XX/2018 )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CONRAD CREDIT CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I brought a time-share in Florida in XX/XX/XXXX and we paid {$9000.00} cash for it. My wife die in XX/XX/XXXX so it was left to me, than I was behind on my fee so I sent XXXX XXXX {$700.00} check to catch up on my fee. I call them and told them to Lease my time-share so it will pay for my condo fee, but it never happen.I don't owe Conrad Credit Corporation one penny. I have't been on vacation seen my wife dead. I pray this matter will be over soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: MI
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: Problem getting your free annual credit report

Complaint:
I tried to obtain Equifax full credit report to dispute an item creating ecnomic hardship. 
I went to the website and tried to find the " disputes '' page, but " page not found. '' Or when I tried to login, the website refused to accept my password ( they were right ) so i had to change it ; then I logged in and still could not access my credit report to dispute an item. Then I logged out, tried logging in again, ended up again on a page " file not found. '' So I just tried to access the full credit report and ended up at the payment page. Allegedly credit reporting bureaus are providing free credit reports during the COVI19 pandemic, this is a scam to get people to pay for what was once a free service to dispute items on credit report and obtain full credit reports for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my free annual credit report several times. Equifax has refused to give me a copy of my report stating that the information I have provided is not matching their records. I have attempted on XXXX/XXXX/XX/XX/2015 to obtain a report using the XXXX website they forced me to go to. At that time, I entered my information and requested an XXXX and Equifax report. XXXX sent the report without issue. I called Equifax today and was told I needed to enter correct information. I did. They refused mecagain online. They do not have a way to speak with someone and have refused to assist me. This violates my FCRA rights and I would like an investigation done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went online to see if I could get a loan on a car. in the process it came up that they wanted to get a free credit report which I agreed to. The next thing I know is trans Union has charged me a dollar in my checking account and then about a week later I see charges from Trans Union in my checking account for {$19.00}. I did not authorize these charges and was made to believe the credit report was free. Trans Union has agreed to reimburse my {$19.00} back but I would like to also get my {$1.00} back also. I would also like Trans Union to stop the practice of offering free credit reports when in fact they plan on charging you for 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 2022-02-22
Company: Experian Information Solutions Inc.
State: IL
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 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 any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 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 any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 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 any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$420.00} XXXX  XXXX XXXX {$630.00} XXXX  XXXX    XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX {$17000.00} XXXX/XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX  XXXX-XXXX {$140.00} XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$490.00} USDOE/XXXX   XXXX {$21000.00} XXXX XXXX XXXX/XXXX XXXX XXXX {$2500.00} USDOE/XXXX XXXX {$7900.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX  XXXX {$620.00}

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 explanation
Consumer complaint received 2020-01-14
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Let me start at the beginning, that works best. 
On XX/XX/18 I received an appraisal of {$71000.00} to buy the property my wife and I own at present. On or about XX/XX/18 we closed on the property and the loan balance at that time was {$63000.00}. 
By XX/XX/18 we had made additional payments on the balance of the mortgage and reduced the balance to {$57000.00}. Also by XX/XX/18 we had put a new shed ( {$5000.00} ) on the property and installed a new laminate wood floor ( {$2000.00} ). The new balance was about 75 % of the appraised value of the property. 
On XX/XX/18 I made a written request and email request to the lender to cancel the PMI for the mortgage because the balance of the mortgage was less than 80 % of the appraised property value. The lender responded that I must have a certified appraisal done in order to have the PMI canceled. The lender also informed me that the new appraisal would be valid for a period of 12 months. When I sent the lender my appraisal it was less then 6 months old, but the lender would not accept my appraisal. On the one hand the lender will not honor my appraisal that is less then 6 months old, but will honor their appraisal for 12 months. 
Since that time I have paid the PMI and made additional payments to the loan balance. To date the balance is about 32 % LTV. When I contact the lender I get the same song about a new appraisal to cancel the PMI. 
We are living in the home and made it comfortable since it is our only property. We are paying taxes on the property and all utilities are connected. 
I feel like the lender is being unreasonable and charging the PMI without regard to the terms of the mortgage. Also they have one standard for the appraisal they would provide and another standard for the appraisal that I provided in order to get the mortgage. 
Your help is requested to have the PMI canceled and a refund made of the premiums from XX/XX/18. 
Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: IL
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 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 any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 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 any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 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 any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Rent Recovery Solutions
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Rent Recovery Solutions have submitted {$2500.00} on my credit report, I left this apartment in good standings owing nothing, infact was expecting a refund. talked to manager before leaving and she even stated i could keep the mailbox key until i had address changed over. The apartment was cleaner then when i moved in. The reason i moved out was roaches and bugs, was never painted i had to do all of that. manager would say it will be done but never was. This was 2015 i think. also when i took the key back a few days later someone had already moved in. my lease was up ... .I have tried calling to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CITIBANK, N.A.
State: MI
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:
XX/XX/2020 brought account current with Citibank Costco Visa anywhere card. 
Paid {$330.00} in charges ; Costco credited {$530.00} to bring the total to {$860.00} due on XX/XX/2020. 

XX/XX/2020 I received a notice from XXXX that a 30 day late delinquency was reported by Citibank in the amount of {$71.00} that was allegedly due and payable also on XX/XX/2020 -- but no written statement shows this amount outstanding. 

I logged into my Citibank online account and the account shows a charge of {$83.00} was charged to my account on XX/XX/2020 -- I called citibank asking for an explaination why my account was marked 30 days late when I brought it current on XX/XX/2020. The 30 days late XXXX has it marked for XX/XX/2020 ; XXXX and XXXX has it marked for XX/XX/2020 is creating economic hardship because i can not qualify for refinancing my mortgage. The 30 days late mark has caused my credit score to  drop from XXXX ( Very good ) to XXXX ( poor ) or 98 points. 

The Customer Service Supervisor stated additional interest ( allegedly ) accrued on my account AFTER bringing the account current between XX/XX/XXXX and XX/XX/XXXX which was due on XX/XX/XXXX. BUT no one would know this because the computer system didn't post the past due interest until XX/XX/2020 when the bill was generated, printed and mailed. 

She told me to call collections, I spoke to XXXX. XXXX removed late {$40.00} fee, removed 29.99 % PENALTY INTEREST rate and PREMIUM PRICING on each charge. He told me to contact Cittbank to have the 30 days late corrected. 

I am XXXX and have had great difficulty writing -- so I found help XX/XX/2020. I have tried to contact Citibank to verbally dispute this charge pursuant to the Americans with Disabilities Act Effective Communications to no avail. 

I also tried to dispute the 30 days late with XXXX, XXXX, and XXXX but I can not access their online websites to do so.

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 2016-12-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating my credit file " as paid '' is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractualdocuments stating and proving that I agreed to and that I am responsiblefor this account. There have not been any agreements baring my signature provided. Therefor, TSI has no  legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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: Account status incorrect

Complaint:
I have checked my credit report and saw that there are items appearing that need to verify because I am not aware where they came from, below are the items appearing ; XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This is clearly a violation of my rights and I wanted these items to be removed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a XXXX mother to a XXXX XXXX I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2016-04-07
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I keep receiving harassing phone calls and very personal questions from there workers. I made arrangements to pay last months bill which was due on XXXX/XXXX/16 over 2 weeks ago for the date of XXXX/XXXX/16. I keep getting calls from a man named " XXXX '' who is telling me XXXX XXXX is too late to pay. I told him it is a week away and I already made arrangements to make the payment. He then told me that they were going to take my vehicle. I find this hard to believe when my payments not even 21 days late and is set up for an autopay on XXXX/XXXX/16. 
" XXXX '' as he said his name was kept asking me and bugging me to why my payment was late. THATS NONE OF HIS BUSINESS. ITS PERSONAL. ITS LATE THATS ALL HE NEEDS TO KNOW. He then told me " HE NEEDED TO KNOW BEFORE THE CAR GETS TAKEN ''.

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 2015-07-22
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a complaint with XXXX and received satisfactory results. However, Equifax and XXXX are reporting inaccurate information on the same XXXX XXXX credit card accounts. Should n't XXXX be reporting the same information to all credit agencies? If so required, then XXXX is in flagrant violation of relevant statutes and should be held accountable.

Company response to consumer: Closed with explanation