BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit report reflects inaccurate information and Equifax needs to correct and update the information on my credit report. The account listed as Common Wealth of VA account # XXXX reflects an inaccurate balance of {$1800.00}. In XXXX 2015 approx. {$120.00} was paid and on XXXX XXXX, 2015 the remaining balance on the account was paid down to a XXXX balance. Receipt/confirmation # XXXX is proof of the {$1700.00} payment which brought the account to a XXXX balance up to XXXX XXXX, 2015. The current month is the only month due and can not be legally reflected unless 30 days elapse without payment. XXXX 's payment is due but it may not be reflected on my credit report unless the balance has not been been paid by XXXX XXXX, 2015. 
Even though this account was brought current, and paid to a XXXX balance, Equifax failed to update this account and falsely reports a {$1300.00} past due balance as the account status. In addition the account status provides a false statement that that amount is a a delinquency of more that 120 days. That is not true and Equifax had corrected such claims in prior disputes. The account history shows that the account was always paid on time. This is true as reflect by the furnisher 's records. Those records caused Equifax to make the payment history correction prior to this recent error but some how they have re-entered previously removed information. That balance no longer exists but when it did it was not to be listed as delinquent because their was a payment agreement from a court, and as the data furnisher 's records confirmed during the prior dispute, I was never 30 days late let alone 120 or more. Equifax must refer back to the documentation it received last time and remove this item from my credit report because they have failed in their obligations under the Fair Credit Reporting Act. This erroneous information has unfairly jeopardized my credit score and I was negatively impacted in my business and regarding an credit request with XXXX XXXX XXXX. Equifax must update the balance to XXXX, account status to current and inform XXXX XXXX that my credit report was updated and that my credit score has also been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see CFPB case # XXXX - I am submitting this complainT today to show that Dovenmuehle Mortgage company made charges to me based on fraudulent documents - Please find attached documents submitted by Dovenmuehle stating that I agreed during closing to pay for inspection fees - and they have provided fraudulent signatures - my father XXXX XXXX XXXX was never a party to sign anything - NO CLOSING took place, only an assumption/transfer of the mortgage for {$30.00} paid by XXXX XXXX XXXX - Please note on Dovenmuehle 's fraudulent documents, there is white-out on the copy which voids documents - XXXX XXXX ( XXXX ) XXXX the XXXX are signed differently. There are XXXX different dates on the fraudulent document with the signatures XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - Please look at notary seal - there is white out and the date is unclear. I have attached the True documents from XXXX, Pa Records department showing the deed was between XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX ONLY - NO transfer tax was due only a cash {$30.00} paid for recording. I know I never signed this fraudulent document where XXXX or Dovenmuehle can claim I agreed to inspection fees - yes my account was late and due only ordinary late fees but my account was current. Please investigate further - if these documents appeared out of the blue for me in favor of the mortgage company making excessive charges they are also being attached to other mortgagees. Please investigate. These fees I NEVER agreed to I NEVER had a CLOSING - I assumed my siblings old mortgage NEVER signing anything new I NEVER NEEDED another refinance or loan modification - NEVER ANY NEED for me or my PARENTS TO SIGN THIS FRAUDULENT DOCUMENT. Also, please note, I have attached a copy of my XXXX XXXX form provided by XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX is not listed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS 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 2015-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This account was open in XXXX 2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested Trans Union to validate this account many time Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated collection calls, I have told them several times that they are not calling the right number, and they still keep calling me. The debt belongs to a relative, and the representative told me I needed to talk it up with that relative if I wanted them to remove my number from all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have requested XXXX Transunion and XXXX to delete old expired negative credit reports and records, also the {$940.00} charge against my file from XXXX mgt is not correct, it was never adjudicated in a court, or even billed to me prior to credit reporting from company XXXX. I have made several requests and am being ignored or accused of not supplying identification sufficiently, which I have furnished my XXXX drivers license, current utility bill, XXXX i.d card, etc. and am still not getting anywhere with the XXXX credit agencies. I am requesting that the XXXX companies remove these XXXX records from my file, thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I traded my car in on the XXXX the company that we bought our other car from said they mailed the payoff in time. There is a negative balance for that account on my credit report. when I called the finance company they wanted me to pay. They said it was a late charge with fees. Yet the car company told me that they sent it off in time and they did their research and that it was there before the next due date. So it is showing as I owe them XXXX dollars on my report and yet when I call them they say I owe them XXXX dollars.

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 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I need the following inquiries and bankruptcy deleted from Transunion credit report. Transunion customer service would not help and take care of the negative inquiries reporting to your credit report.
The inquiries are below: 
Creditor Name	    Inquiry Date	
 XXXX	   XX/XX/XXXX   
 XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
 XXXX	   XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	           XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX     XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX	     XX/XX/XXXX
XXXX	      XXXX
 XXXX    XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX   XX/XX/XXXX
 XXXX   XX/XX/XXXX
XXXX    XX/XX/XXXX
 XXXX   XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XXXX
 XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX

 Bankruptcy	XX/XX/XXXX	Discharged	$0

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 2015-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I got a recommendation from XXXX for a loan from XXXX. I thought since It was a recommendation from you it would not hurt my credit and be a hard inquiry. I also stated that to XXXX and said I did not want my credit to be ran nor did they ask permission to run it. I am rebuilding my credit and this will hurt it. I also declined the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants has been calling me repeatedly about a debt I do not owe from XXXX XXXX XXXX XXXX. I've only had one account with XXXX XXXX XXXX XXXX which has a {$0.00} balance and is inactive. The equipment was also returned on XX/XX/XXXX. Diversified Consultants opened up a fraudulent account on XX/XX/XXXX indicating {$670.00} was still owed from original creditor XXXX XXXX XXXX XXXX. XXXX   company reported this debt from Diversified Consultants on my FICO credit score report which is when I began to take action. I spoke to XXXX XXXX XXXX who stated that nothing was owed and there were no issues with the closed account. Diversified consultant tried to convince me that I may have a final bill post equipment return which did not make sense since XXXX XXXX XXXX did not show a balance for the account in question. I have disputed with Diversified Consultants but haven't heard back yet. This company should not be allowed to report debts back to FICO scoring companies because their legitimacy has been and continues to be questioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, 2016 I mailed Experian a dispute for a collection account on my credit file. On XXXX XXXX 2016 I received a letter from the collection agency dated XXXX XXXX, 2016 stating they could not verify the account and that they need more time to verify the alleged debt, On XXXX XXXX, 2016 I received a letter from Experian dated XXXX XXXX 2016 shwing that the collection account continues to remain and my credit report after the processing of my dispute. Experian has violated my rights by falsely verifying a collection account and continuing to list it on 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 non-monetary relief
Consumer complaint received 2018-05-27
Company: Real Time Group, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Real Time Resolutions continues to send me incorrect monthly billing statement. This has occurred for the last 3 months. Each time I have contacted the company regarding my account is always reflected in a past due state which is fraudulently incorrect. I am requesting assistance in getting this matter corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX Report.com, Experian 's consumer service that says it gives you real, accurate credit scores from all three agencies. It is telling me my XXXX score is XXXX, my XXXX is XXXX, and experian is XXXX. Yet I ran my credit and none of those are even close to the scores actually reported to credit and lending institutions. They are charging me {$60.00} a month for the service. That 's fraud and misrepresentation. I know, I work at the FDIC when the CFPB was formed in XXXX directly for XXXX XXXX. This is criminal. Please investigate and let me know.

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 2016-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.

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 2016-06-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a collection from the State of Colorado for child support for my kids that are adults and I have been paying on monthly for over 20 years with no late payments. On my credit report it is reporting a XXXX balance of a collection from the state of Colorado and every time I try to call them they have no record of it but when I try to dispute the item with Experian to have it removed, it comes back verified. I 've never had a collection and I am still paying adult children. It is affecting my ability to get a home loan with this item still on my credit report. I need help in getting them to remove the item from my credit report with Experian. All of the other bureaus have removed the item from my 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 2021-10-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed this information because this was not my debt. I contacted XXXX XXXX services and I have a XXXX balance. This belongs to XXXX XXXX. The incorrect debt was removed from my credit on XXXX XXXX 2016. I recently just saw that this debt has been reinserted after it was deleted on 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 2016-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I asked Experian to remove this old account number XXXX, XXXX XXXX Bank which does not belong to me and it is not attached to another account. Experian has not removed and I am within guidelines to ask for the removal of old accounts.

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 2016-04-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over again.

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