BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
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:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$35000.00} XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Please comply with the Fair Credit Reporting Act and have the disputed accounts corrected as soon as possible.

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 2023-05-26
Company: AR Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AR Resources Inc is unlawfully making attempts to collect a debt and currently reporting a collections debt of {$2500.00} on my credit report. They are not licensed to operate in Delaware, my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Midwest Recovery Systems
State: AL
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:
I submitted a complaint case number XXXX and the company responded which I have included below. It has been over 30 days and its still showing on my credit report. I want it removed as stated right away .... 


STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Midwest Recovery Systems ( MRS ) strives to provide the highest quality of service to our clients and our clients customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing this complaint to our attention and we appreciate the opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. It was found that our client was unable to validate this debt. This account has been marked as Unable to Validate as of XX/XX/2018 and a record of deletion will be sent to the three credit reporting agencies. Please allow 30 days for the credit reporting agencies to update their records. If there are any questions, please contact our office to resolve this at XXXX. You may also email us at XXXX. - MRS Compliance Team

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
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:
On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company XXXX XXXX ( XXXX  ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( XXXX ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. XXXX did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now XXXX is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to XXXX to see if something could be worked out concerning this to help me improve my credit and XXXX refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the {$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I mailed out a credit dispute asking that Transunion and XXXX verify accounts that are reflecting on my credit report and confirm that every piece of information is reporting accurately. I mailed out a XXXX  day follow up dispute on XX/XX/2023, it is now XX/XX/2023 and Both XXXX and Transunion have failed to respond within XXXX  days

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 2022-12-12
Company: EQUIFAX, INC.
State: MN
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 want Equifax to review the attached dispute form and investigate my dispute. The following accounts are paid in full : XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX The following accounts and credit card was reported lost/stolen : XXXX XXXX XXXX and XXXX XXXX Bank XXXX The following debt collection account is fraudulent and not my debt collection account : XXXX XXXX  XXXX XXXX {$360.00}. The following public record is not my public record : XXXX XXXX  XXXX of Minnesota, reference number : XXXX, XXXX  XXXX XXXX  Discharged. The following credit inquiries are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicing website is broken and does not allow users to log in and pay their mortgages. This has been ongoing and is causing people to miss payments. They do not answer phone calls and there is no email address to contact them at. They are forcing their customers to pay late fees that are out of their own control. This is completely unacceptable for a company in 2020. Website outages and log in problems should not happen and they need to be transparent when it does happen instead of pretending nothing is wrong.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: MD
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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  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 explanation
Consumer complaint received 2018-11-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX. XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage for around 3 years at this point. This is the 2nd time that my loan has been transferred to another servicing company ( 3 companies involved ). As of XX/XX/XXXX, my loan will be moved from Quicken Loans, ranked # 1 by various outlets for their mortgage services to a company called XXXX XXXX whom has terrible reviews and has not helped me get acquainted with their payment portals or processes. I currently have my loan serviced through Quicken Loans and was very pleased with their services. I do not want my loan transferred again to XXXX XXXX whom did not even answer my call when I called to hear details of this transfer. Every time my loan gets transferred to a new service provider I am forced to continually provide confidential information to multiple companies ( security concern ) and realign my finances and schedules. Having my loans reassigned so often is an injustice. This repeatedly happens for other loans as well. Please tell me there is a way to stop this as it is becoming beyond an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX  # XXXX. I've proactively remembered this report for a past letter and I am including it once more. 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. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX I recognize your quick regard for BLOCK or REMOVE this ACCOUNT and reaction inside 4 work days

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 2019-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited {$20000.00} into my savings account at Bank of America. On XX/XX/XXXX, XXXX XXXX withdrew the {$20000.00} from the account the check was written on and Bank of America put a hold on the funds for 10 days until XX/XX/XXXX. 

I called Bank of America on XX/XX/XXXX at XXXX am XXXX and spoke with XXXX and her supervisor XXXX XXXX who gave me her employee number : XXXX ). I was told that the money had not been verified by XXXX XXXX and the hold would be in place for 10 days. 

On XX/XX/XXXX at XXXX am XXXX, I spoke with XXXX at the XXXX XXXX XXXX and asked to speak with a supervisor because she would not be able to help. XXXX XXXX was the supervisor who came on the line. I asked for his employee number and he told me that they do not have employee numbers. Either he or XXXX intentionally lied to me while I tried to resolve this issue. XXXX informed me that funds have not been verified and no funds were received after four days. Not a likely scenario given the electronic nature of banking. 

XXXX XXXX and/or Bank of America is using the legal deadline of 10 days to profit off of my money. Since the money is in neither my savings account nor the checking account from which the check was written, the banks for nine days are using the money for their own profit. This is unethical, immoral and designed to exploit the under privileged and minorities, who use personal checks to a greater degree. 

Please stop this practice, since in this day with the automation in the banking system there is no valid reason to hold funds for ten days after the funds have been removed from the account from which the check originated. While the ten-day hold is there to ensure funds are available in the originating account, once the funds have been withdrawn from that account there is no need for the extended hold. The only purpose is to enable one or both of the banks to profit off of their clients money. XXXX XXXX has a reputation of abusing their clients. This matches their modus operandi. 

I am asking that the XXXX stop excessive holds banks use to profit on money that is not their own. 

Thank you for your time and effort in this matter.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-03-04
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 confidentiality under 15 UCS 1681. 

XXXXXXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has 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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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  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 explanation
Consumer complaint received 2023-02-23
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2018-11-03
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I tried working with both the fraud department at the XXXX XXXX XXXX, ie. Compass Bank ; I then wrote : Hi XXXX XXXX, this is XXXX from XXXX, and I spoke to a bank agent yesterday RE ; a {$38.00} over draft fee when back on XXXX XXXX or XXXX from XXXX restaurant after it was verified and still showing I had over {$80.00} in my account and made a purchase there of {$32.00}. they took an additional {$38.00} out saying NSF. I then received a fraud alert that there was a {$10.00} XXXX purchase that was declined & asked if I made this purchase and said no but I was glad they did not authorized the payment. I then auto deposit a {$26.00} and next thing I know there was 2 more transactions that were supposedly paid on my behalf after I showed it was flagged as fraud, told the agent to close this account. Now my account is {$180.00}. With those declined fraudulent charges paid after I told them to close the account and it showing the purchases originally did not go through Very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: MS
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:
Opened XX/XX/XXXX Balance XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until XX/XX/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