BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. 

accounts XXXX account # XXXXXXXX XXXX  account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed

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 2022-06-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Modification Denied with out and explanation. 


Per the denial letter dated XX/XX/2021. That XXXX XXXX XXXX. has reviewed you for options that would allow you to keep the property and for options that would mean that you would not keep the property and we have evaluated you for all other available options to ensure you have sufficient information to make an informed decision. 
Proprietary Modification Declined Short Sale- Conditionally Approved Deed In Lieu - Conditionally Approved While you provide no documentation disclosing the terms Mr. Cooper or XXXX Bank XXXX XXXX offer or NPV input used. We demand that Mr. Cooper or XXXX Bank XXXX. provide the terms the loan was reviewed for and XXXX input used additionally request review for any other programs Mr. Cooper offers as well as Standard, In-house Modification, or a repayment plan. 

Mr Cooper did not provide any NPV inputs, showing what the existing loan balance is, what interest rate is, what the principal and interest payment is. Please provide the full NPV inputs and why an affordable modification could not be reach. 

Additionally, we request that our the Brookhysers be fully reviewed for all programs including but not limited to temporary reduction, forbearance program and /or deferment program ( balloon payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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:
On XX/XX/2022 I sent yet another letter ( Certified USPS XXXX ) to Experian stating my claim. My letter was an answer to the " verified '' accounts that allegedly were investigated. Experian stated accounts DEPT OF EDUCATION, XXXX, and XXXX XXXX were investigated but how is that even possible when the opening dates, last active dates, and last reported dates are inaccurate? I also add that my name isn't listed correctly and you don't have my birth date. It's just a year listed. 
Another part of my claim is that the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) states you need my written permission to furnish any report of mine and your agency doesn't have anything from me as the consumer giving consent or permission to report on my behalf which is identity theft.

My letter demanded you investigate ALL RELEVANT information which means look at what my claim is instead of grouping it into a general dispute. 

Finally, I have to know as to how you can " verify '' the accounts below when XXXX and XXXX have both complied with my actual claim by deleting the accounts. I attached both agencies reports as proof that you are not communicating the disputes to all required databases. 

I've attached proof for the following accounts : 1. XXXX XXXX XXXX  XXXX XXXX 

2. XXXX XXXX XXXX XXXX .

3. XXXX XXXX XXXX XXXX .

4. XXXX XXXX XXXX XXXX .

5. XXXX XXXX

6. 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 2022-07-28
Company: Experian Information Solutions Inc.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-21
Company: EQUIFAX, INC.
State: GA
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:
The past 4 months my Equifax reports have been incorrect, my cc company initially tried to update my balance on my credit but was told Equifax had issues with their system. I filed a dispute 2x with no success. I attempted and called Equifax 4x each time speaking to a supervisor name XXXX ( overseas ) and a manager name XXXX. I also sent documents by fax and uploaded it online and was told by the Manager XXXX that the online portal does not accept documents which is a clear fabrication because the online portal allows you to upload any supporting document to support your dispute. The documents I submitted prove and show the balance on my credit card was paid to a {$0.00} balance back in XX/XX/2022, since XX/XX/2022 Equifax has not update my file. Ive made numerous calls back and forth to the credit card and Equifax and Equifax still has not updated my credit reports. Transition and XXXX have reported the correct amount every month since Ive been the balance. The incorrect balance is causing me a hardship due to me trying to refinance my house and my mortgage company is using the incorrect card balance against me due to Equifax incorrectly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB Agent, I've been noticing changes in my credit report that are not accurate. 
there is a company in particular that reported my Credit on XX/XX/2022 and I don't recognize or authorized. XXXX XXXX has posted an Inquiry on XX/XX/2022 please help resolve this issue. Thank you.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Bridgecrest Acceptance Corporation
State: MD
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

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 2022-06-29
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: Their investigation did not fix an error on your report

Complaint:
In regards to the XXXX XXXX  account on my credit report- i asked all three bureaus to investigate for accuracy of the account and noted that I was being cited for a 60 day late payment without ever being 30 days late. The investigation failed to fix this BIG error which means all three bureaus failed to properly investigate. 

As a result I can either get my lawyer involved or to avoid all that DELETE THIS ACCOUNT.

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 2022-07-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a disputed of improper reporting on XX/XX/2022. The credit bureaus have a responsibility of " investigating the consumer. '' According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/ she is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not 100 percent accurate. According to the FCRA 15 USC 1681 everything has to be accurate and a consumer reporting agency can not furnish an account with out my written instructions. 

The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX University 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 2022-06-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  XXXX after multiple attempts to verify the charge off have failed to provide any documentation, especially concerning where they came up with an amount of {$6000.00} when no where on my account shows an amount like this, no where on the account shows the insurance payment, no where on the account shows the GAP coverage, no where on the account shows delinquency. I have reached out for several months asking them to verify and I have finally gotten a lawyer. I will continue to ask for deletion until a ) all accounts are deleted on all 3 bureaus b ) my lawyer files a lawsuit toward XXXX  XXXX and the credit bureaus for failure to provide a proper investigation into the inaccuracies on this account and other consumer law violations such as not providing any disclosures that are required when it comes to reporting.

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 2022-06-29
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: Account information incorrect

Complaint:
XXXX  XXXX after multiple attempts to verify the charge off have failed to provide any documentation, especially concerning where they came up with an amount of {$6000.00} when no where on my account shows an amount like this, no where on the account shows the insurance payment, no where on the account shows the GAP coverage, no where on the account shows delinquency. I have reached out for several months asking them to verify and I have finally gotten a lawyer. I will continue to ask for deletion until a ) all accounts are deleted on all 3 bureaus b ) my lawyer files a lawsuit toward XXXX  XXXX and the credit bureaus for failure to provide a proper investigation into the inaccuracies on this account and other consumer law violations such as not providing any disclosures that are required when it comes to reporting.

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 2022-07-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I purchased an item online from XXXX. My account got charged a price higher than the price I confirmed. When I reached out to the merchant, letting them know that I did not want the item anymore because it was higher than the price agreed upon, the merchant forged some documentation showing that the price that I paid for the item was indeed the price listed for the product. When I brought to light that their response wasnt true, the merchant escalated my complaint to a higher department to address the issue. Instead of addressing my issue, the higher department simply said that I wasnt eligible for a refund. Mind you, at this time the product had not even been shipped to me yet. Because this was fraud, I contacted my bank. 

When I contacted Citibank in XXXX to open a dispute, they told me that they were going investigate my claim. They eventually closed my claim saying that they didnt have enough information on my part to substantiate my claim. When I found out that my claim was closed, I immediately contacted Citibank and told them that if they needed more information, all they had to do was contact me. I then demanded that they reopen my case by filing an appeal. In the appeal I attached all the emails between the merchant and I, which clearly showed that they REFUSED to address the fact that the price I agreed upon for the item was different from the price that I was charged. 

I just found out that Citibank sided with the merchant again. When I asked why, they told me that the merchant simply told them I wasnt eligible for a refund. THIS HAS NOTHING TO DO WITH THE FRAUD THAT OCCURRED. I WAS TOLD AN ITEM WAS ONE PRICE BUT CHARGED A WAY HIGHER PRICE. I CONTACTED THE COMPANY BEFORE THE ITEM WAS SHIPPED TO ME. THE COMPANY DISREGARDED MY COMPLAINT AND SHIPPED THE ITEM ANYWAY. THEY ALSO NEVER ADDRESSED ME BEING CHARGED A HIGHER PRICE!!!! HOW CAN MY COMPLAINT OF FRAUD ON THE MERCHANTS END BE DENIED WITHOUT EVER ADDRESSING WHY I WAS CHARGED A HIGHER PRICE?

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 2022-06-29
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: Public record information inaccurate

Complaint:
Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: OK
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted Capital One-Auto Finance to let them know that for personal reasons at the time, I was unable to continue financing my car. Financial personnel informed me of the procedure that I had to follow for the delivery of the vehicle and the termination of the contract with them. I did so, all the time in communication with that office. On XX/XX/XXXX, they sent a tow truck to pick up the vehicle and this was the final step to finalize and close the account with them. 

Currently I moved to the State of Virginia and on each application process to apply for housing, they have been unsuccessful, due to debts on my credit. I proceeded to verify the credit and I found that in addition to the debts that I am currently paying, which are not inconvenient for my rental purpose, a financial debt from Capital One-Auto appears. This started when they placed a debt in the credit history in the month of XX/XX/XXXX. I proceeded to call XXXX XXXX and XXXX and they told me that I should request the removal of that account in the credit history by making a Dispute about it. 

After making the dispute, I proceeded to communicate with the financier, explaining the situation to the person who attended me. I requested a certification that the case was already closed. On XX/XX/XXXX, I received it through my email, and they informed me in the letter that the vehicle was indeed delivered on XX/XX/XXXX, without further charge in this regard. 

At that time, the representative informed me that in their system they have a debt because when they sold the vehicle, they did so for less than its price. Information that was never offered to me when in XXXX I contacted the financial company. The intention was to have the correct information for the termination of the contract and the payment commitment. 

Now, in XXXX, due to the situation that arose regarding the rental application, I found out that in XX/XX/XXXX, Capital One-Auto posted that debt, as if it were new. When checking my credit, I realize why my applications were rejected. Capital One-Auto debt and the score that credit companies, XXXX XXXX  and XXXX have subtracted from my credit report, have nullified my chances of getting a rental home for myself and my children and for any other plans I had. In addition, in the most recent housing application, Capital One-Auto 's debt was posted again dated XX/XX/XXXX, and the companies ' credit report had an additional XXXX points subtracted from the credit history.

Company response to consumer: Closed with explanation