BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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:
It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If Transunion chooses to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX, XXXXXXXX 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX BANK 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 2022-03-17
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I traded in my XXXX XXXX for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXXpoints added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.

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 2022-07-13
Company: EQUIFAX, INC.
State: AZ
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:
most recently, i have sent dispute letters over 50 days to all three bureaus. I have not recieved any indication their was an investigation performed. under the FCRA laws consumer agencies may not report outdated negative information and that I can seek damages if consumer reporting agencies violate the fcra you may be able to sue or federal court. After mulitple attempts to resolve the bureaus violating laws 15 usc 1681 eb which deals with being 100 % responisble for reporting 100 % accurate information on my credit profile I still find myself stuck in same situation which is exhuasting me. I have demanded they remove the late payments on loans with XXXX XXXXXXXX XXXX  and XXXX XXXX, they both have mulitple different open dates which is a violation because how can i open a brand new account on multiple days? according to 15 usc 1666 b, as explained before in last few attempts to dispute, I am tracking the days of when i am to recieve my billing statement before my due date, they are not coming in from mail before 21 days they are coming in between 5-10 days. Because these bureaus have violated 15 usc 1681 eb and also 15 usc 1681s2 and not holding the furnishers reponsible for reporting correct information the late payments and collections need to be removed from my credit report because i always pay my bills on time, theyre not sending them in the fcra guideline. late payments to include XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: EQUITY LOANS LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was solicited by Equity Prime Mortgage for a refinance on my home after doing a search on line. I finally decided to refinance but had a modification 1.5 years ago. It was clearly on my credit report. The loan officer insisted I was qualified and charged me {$500.00} for an appraisal. I ask him numerous times, are you sure I qualify I had no money to waste. He assured me I did. So I had an appraisal and then I had to have the appraiser come back for a couple of small item which cost another {$150.00}. The it was going back and forth with under writing before XXXX of their employees realized it was a federal law I could not get a refinance until a 2 year waiting period. I ask for money back because I was miss informed and got an appraisal for a loan I would have never gotten had they know the policy. I think the company need an through investigation for their practices and I would like to have my {$650.00} back that I did not have to throw away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Experian Information Solutions Inc.
State: NV
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 was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due t  XXXX   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX  I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX  via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-07-13
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Today i contacted Jacob Law Group in regards to a debt they stated that i owe. I spoke with a rep name XXXX. XXXX was extremely rude, told me that i need to stop being like " other XXXX people in america '' and take care my responsibility. She cursed, called me all type of racial names, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Dovenmuehle Mortgage, Inc.
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I requested and was approved for a mortgage forbearance under the CARES ACT with my mortgage company, XXXX XXXX XXXX. It was my understanding that my account with XXXX XXXX XXXX  while in the forbearance would remain in good standing and not affect my credit score/report. The forbearance period I was approved for was XX/XX/XXXX through XX/XX/XXXX and requested and approved for the balance of the amount owed during the forbearance period be deferred to the back of my loan. I resumed my regular, consistent monthly mortgage payments in XX/XX/XXXX. 
In XX/XX/XXXX, I inquired about re-financing with a local mortgage broker and was told that my XXXX XXXX XXXX  account was appearing on my credit report as delinquent and showed an inconsistent payment history, mainly during the approved forbearance period and subsequently thereafter. It is apparent that XXXX XXXX XXXX  have been incorrectly applying my monthly payments and had failed to recognize the period of forbearance. Upon learning this I contacted XXXX XXXX XXXX  on XX/XX/XXXX and opened a credit dispute. I have been in contact with XXXX XXXX XXXX  on many occasions since then and have been continually told that my credit dispute is being " worked on ''. On XX/XX/XXXX I opened a credit dispute with XXXX. The results of XXXX 's 'investigation ' deemed a correct reporting, which is totally false. I am currently awaiting the results of open credit disputes with XXXX and XXXX. 

In summary, it is my understanding that under the CARES ACT any amounts owed during a mortgage forbearance period should NOT negatively affect my credit score/report. XXXX XXXX XXXX  has acknowledged this to be true yet I am still waiting for my credit report to be rectified and reflect an account in good standing, with regular on-time monthly payments. Because of this I was unable to pursue other beneficial financial opportunities and feel this is extremely unfair and careless on XXXX XXXX XXXX XXXX part. 

I am humbly requesting some assistance with my situation. I also believe there are many others experiencing this same problem ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}

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 2017-03-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Balance transfer

Complaint:
Around XX/XX/XXXX I accepted a credit card offer from my Chase AARP card at a 0 % interest for a year with a 2 % transfer fee. Needing the money, I called Chase and asked them to deposit XXXX into my checking account and, shortly there after, they did so. Now, they are wanting the XXXX. back from my checking account. They say it was their error but they should n't have deposited the money because that checking account has n't been used to pay a Chase fee within 3 months, so could n't be approved for the transfer.. I had XXXX balances so there was no need to make a payment. They made this decision after they deposited the money into my account.They say they will pay the bank fees but where am I supposed to get the XXXX?. I do not have all of the XXXX left and what is there is allocated for checks and payments that have not cleared yet. I accepted their offer and borrowed this money in good faith and have spent many hours on the phone with various Chase reps and am that the account is active, has XXXX available credit, but they can not assign the money already borrowed to that account because it was n't used for 3 months. Surely they can lift the rule to cover their error, but they wo n't. The woman, who said she was a manager, gave me the fax number of Chase Executive Offices as my only recourse. So, I am contacting you. This is an AARP card, available only to XXXX. They are causing havoc in my life and do not care at all. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
I have previously disputed this account yet delinquencies still reflecting on the account. This account is enrolled in autopay so there should be no reason for reported delinquencies. I attached the screenshot of my payment that is enrolled in autopay and confirmation email that the payment was received. The reported late payment should be removed from my report immediately. I am requesting that the error be investigated and corrected.

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 2020-03-10
Company: AES/PHEAA
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: Account status incorrect

Complaint:
In XXXX of XXXX I received a call that my student loan account was past due {$200.00} and needed to be paid. I never received a phone call or email until after the account was past due. I called Fed loan services and explained this to them and I was told that they sent me a notice through their online portal. The problem with this is I didn't even know the portal existed so had no way of knowing my loans were due. Fed loan refused to change the late payment statuses on my accounts. I was also unaware that my student loan was not simply one account but multiple accounts from different loan years. Fed loan also did not defer my payments for the first six weeks of XXXX even though I am a current student. The problem with these late payments is that I was never properly informed they were due until it was to late. I am in the process of buying a house and now that Fed loan is reporting my accounts had late payments I can not get a housing loan with any late payments in the past twelve months. All because of me not being contacted until the payments were past due of {$200.00} I am being denied housing.

Company response to consumer: Closed with explanation