BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Also, I have not authorized this transaction or authorized anyone to use my information to open this transaction. 

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.

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 2021-06-22
Company: Alpine Credit, Inc
State: CO
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 was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with and it is now effecting my ability to get a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 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 2022-09-25
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-02-10
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX  XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX  XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
XXXX, TransUnion and XXXX are reporting XXXX and XXXX XXXX XXXX on my credit. I have no idea where any of these come from. I reported asking what theyre reporting and how do I owe as we never did business. There are companies continuing to make false verifications to collect fraudulent payments that arent owed to them. I would like a true investigation not false verified. All documents need to be sent to me as Ive never signed anything with either company.

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX These accounts have violated my rights. 

15 U.S.C. 1681 section 602 A. States I 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 account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer.report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15. U.S.C 1681-2 ( A ) ( 1 ) states : A person shall not furnish any info relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-25
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX has violated my rights under 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2 and 15 USC 1666B View attachments below

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-11
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When we refinanced our mortgage. A man came to our home and talked to my husband about the mortgage. He was from Village Capitol, we previously had XXXX, I believe. He promised our rate would never go up. He gave us an interest rate of 2.25 or something like that. My husband passed away in 2019 and my interest rate has gone up the past 2 years. I tried calling them and they said our interest rate was only locked in for 3 years. I am a surviving spouse whose income has dramatically reduced since my husbands passing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX Rewards credit card through Comenity. In XXXX of 2022, the rewards completely stopped working. I have called both Comenity and XXXX XXXX and no solutions have been offered by either. It was referred to as a delay. Ita been more than 90 days since any rewards have registered for any purchases. This is unacceptable and I will be canceling my account if it isnt fixed within a week. Comenity obviously does not care about its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
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:
Equifax is in violation of FCRA 611. I contacted the furnishers and I am providing documents directly from the furnishers, XXXX XXXX and XXXX  showing the inaccurate information. I request these inaccurate accounts be removed under FCRA violation as they have already been disputed. I believe Equifax has not been conducting reasonable investigations as the data of these accounts still have been reporting inaccurately on my consumer report. My rights have been violated and I have not received a 100 % accurate consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Roundpoint late in XXXX. I received my first statement from them on XX/XX/XXXX letting me know that my first payment was due on XX/XX/XXXX in the amount of {$3000.00}. I made that payment on XX/XX/XXXX and then began bi-weekly payment in XXXX in the amount of {$1600.00} via my bank account. In XX/XX/XXXX, I received a late notice and was charged a late fee. I called Roundpoint and it was found that payments had been misapplied. I was told that would be corrected and that the late fee would be reversed and that this would bring my account current and the next payment would not be due until XX/XX/XXXX. I asked about setting up bi-weekly payments through them to avoid the issue and the only way to do that is by mailing in a paper form. This was XXXX and I continued making my bi-weekly payments of {$1600.00} even though the account was current. 
My plan was to set up bi-weekly payments by mailing in the paper form but before any of this could be handled, I received another late notice for XXXX. At that time, I paid another {$1600.00} via my bank account because they do not allow you to make partial or custom amount payments on their website. I also enrolled in autopay so that I could avoid the issue any further and gave up on trying to pay bi-weekly with them. This morning, I received a call from Roundpoint saying I still owed another {$290.00}. I tried explaining to them and they were unwilling to budge. I was forced to pay the amount or suffer another late fee. At that time they also instructed me that my payments had gone up around {$400.00} per month, which I never received notice of, which is why I owed the additional {$290.00}. To date I have paid Roundpoint {$16000.00} which is far more than I owe given I've only had 4 months of payments with them. They do not offer any online support to resolve and require forms to be mailed in. They can not take credit card payments over the phone, they do not apply funds correctly, and they have terrible customer service. Consumers should not be subjected to this treatment. I had not choice in the matter and I am extremely dissatisfied.

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 2022-12-13
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My car insurance was canceled. I told XXXX XXXX I was going with another insurance company and they stated I still owed the money. I told them I didnt owe the money when my insurance got canceled. They tried to force me to keep my car insurance with them. They turned it over to a collection agency who now put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2020-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was making regular payments to XXXX XXXX XXXX for a debt collection on a Capital One Credit Card. XXXX lost the account and Capital One hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to XXXX XXXX XXXX for the Capital One account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied Capital One. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX Capital One sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to XXXX XXXX XXXX. On XX/XX/XXXX, Capital One sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, Capital One acknowledged that XXXX had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that XXXX had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM XXXX. Capital One then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that Capital One or XXXX provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) Capital One recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween Capital One and me. Capital One followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that Capital One gave to XXXX via my XXXX and XX/XX/XXXX payments. All I know is that XXXX needs to forward the two payments to Capital One or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through Transunion service, but could not figure out how to do it properly

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