BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XXXX  by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.

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 2023-11-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My score is not updating with Equifax, has not been for quite some time. As advised by a support team member from XXXX XXXX ; I contacted Equifax directly. Upon contacting Equifax, they could not properly identify me because of an email on their file, I no longer use. I updated my email preference, I verified my personal information via phone and their text link ; which prompted me to take a picture of my State identification and take a picture of my face. All of that was done while on the phone with an Equifax representative. My email was changed and updated and so was my password. This was done a few months back. However, my credit score, accounts or credit information has not been updated. They are still showing a credit score that has not been updated to match XXXX or XXXX. Its damaging and interfering with being able to acquire or purchase anything that has to rely on a credit check. Ive done my part; jumped through all their XXXX  hoops and they still cant get it right, nor are they attempting to correct this ongoing issue. My next course of action, if this doesnt work is to pursue them, legally via an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Company acquired my mortgage in XXXX of XXXX. My first payment with them was XXXX. I paid XXXX early with a check and XXXX early with a check. I started calling them around XX/XX/XXXX because my account said past due. I believe they are trying to steal money. They cashed both checks and I had to provide them with copies for them to take a month to apply them. In the mean time I set up an automatic withdraw for XXXX 's XXXX payment. When they applied the payments to the account they never took off the past due notification. Their policy is to disable the automatic payment until you are current?? ( weird ) So my automatic withdraw did not go through and they took the payment out of my escrow account. I spend about an hour each day trying to resolve this. I found out today that my financial advisor has the same company and has been spending a lot of time on the phone trying to fix his payments. They past you to the " Escalation Department '' and then you can't talk to the person that is fixing the account because they don't take calls. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

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 2019-08-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2019 i filed an online dispute and a dispute via usps mail. the dispute is on a collections account for XXXX XXXX hospital - the collection company is XXXX XXXX - i filed the original dispute on XX/XX/2019 and XXXX XXXX did not respond within the 30 days set in law by the fair credit reporting act. 
as of the XXXX dispute XXXX XXXX was 75 days with no response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

on XX/XX/2019 i filed another dispute on this item for reason of " disputed company did not respond within 30 days '' this was a result of waiting 120 days for a response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

EQUIFAX XXXX COLLECTIONS -- NONE 1. XXXX/XXXX XXXX XXXX CFBP FORWARDED TO REGULATION DATA BASE - DISPUTED XX/XX/2019 XXXX XX/XX/2019 related to > 30 days no response to disputes. 

in accordance with the fair credit reporting act - equifax is required to remove this item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, I have inaccurate information on my credit report. It is really affecting my well being. I called all three credit bureaus to get some directions on how to fix this issues. They did not help me. I have collections and charge offs of accounts that I never applied for. If there is anything you can do to help my situation it will be greatly appreciated. My information was also involved in the XXXX data breach. 
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 explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. Most of everything thats on. My credit report is not me.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

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 2022-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to my most recent credit report, XXXX is currently reporting to Transunion that I applied for credit/loan with their organization on XXXX XXXX XXXX. I did not grant you authorization to review my credit report, nor did I apply for credit or a loan. This will be the 6th time, I have reached out to you to inform you of this. I reached out via us mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOW ON XXXX XXXX XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from Transunion credit bureau. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) 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 2022-03-09
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2019 @ about XXXX. I called for an excess amount of interest charges of {$57.00}. 
I asked for a supervisor who's name by XXXX employee # XXXX said she could not help me with the problem and there was no one else I could talk to fix the problem. I payed the the full balance on statement due on XX/XX/2019 on XX/XX/2019 and a few weeks later interest charges of {$57.00} was applied. I have paid in full and been forced to close my Capital one credit card account. I have been paying excessive interest for 2 years and even after paying full balance I am being charged interest. I want an investigation on fraud interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a delinquent account with capital one in my credit report. The account doesnt exist, I called them to verify I wasnt missing something. XXXXXXXX XXXX  and XXXX reported the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TMX Finance LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied for a Loan from TITLEMAX LLC THINKIN I WAS GETTING A XXXX  MONTH LOAN! after paying for about XXXX  months I ask the lady who assisted me from day XXXX how much do I owe on my loan?? this is when I founded out I had a 30 day loan I ask her to talk to some XXXX to change this loan she said it could not be done I explain to her if I had know it was only a XXXX  day loan I would have never continue on this loan I explained to her I could not afford this loan. I am on social security and this the only income I have and I am XXXX XXXX XXXX I can not get work aloe explaining did not do any good I have paid {$2.00} for nothing only to keep TITLEMAX from taking my car the only way I have a copy of the contract I copy the contract off of my computer at home which had been hidden Thank god I still have a mind and knowledge to find things on my computer the loan agreement, promissory note and security agreement is what Titlemax do not want you to seethe first contract I did not sign it was a scribble the other months I sign not knowing what I was signing until I question her .the cost of the credit yearly is 159.50 % finance charge {$400.00} amount financed {$2800.00} total of payments {$3200.00} hope this will explained and help!!! each month it is a NEW LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: International Computer Systems, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Information on report does not belong to me. I have disputed and asked for information showing accurate information and what information reporting agency recieved showing validity of account and never recieved information. I have supplied police report and report to fcra and still inaccurate addresses and accounts remain on my report with no proof of accuracy. I have supplied this information to XXXX XXXX and equifax and still no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending in XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, 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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/ I send a registered mail letter to credit bureau they have not responded. Second letter XXXX XXXX see attached

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 2022-05-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apparently I opened an account on XXXX of 2021. I NEVER DID. I received a call from XXXX XXXX XXXX ( XXXX ) stating that they needed to collect a debt from me. The person that opened the account used my social security number and my name, not complete by the way, and made purchases and paid them and they had the guts to report fraudulent activity on the account that they fraudulent created using my name and information. They then closed the previous account and opened a new one and the payments that they " were making '' on the account were returned and that is why XXXX was contacting me, because " I was late on my payments. '' I never opened the account in the city that it says I did and I never made those purchases either. The email they provided is not even my email. I hope they find the people responsible and that my credit goes back to how it was. It was in the green and now is in the red.

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 2019-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a credit reporting agency complaint against Trans Union, # XXXX. I have tried several times to complete an online dispute and to update my 100 word personal statement. I am entitled to submit my personal statement and have it provided to all who may request my creit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5  items of adverse information. '' Item 2 : Remove XXXX, this is not my telephone number. Item 3 : XXXX Court Western VA, # XXXX, was supposed to have been removed on XX/XX/2017, see report, but remains in the report. Remove this. Item 4 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$3500.00}. Item 4 : XXXX XXXX XXXX, XXXX, is being misreported. The balance is over-reported by {$1600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation