BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I do not consent to these inquiries being on my consumer report. Please delete immediately according to The FCRA Section 604 Permissible Purpose these are exclusions. Thank you! 

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 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 2023-07-08
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The septic inspection was conducted on Friday, XX/XX/2022. Please review the report summary ( three ( 3 ) pages ) below, as this report describes the current condition of the system. Based on the preliminary information that was provided and the information obtained from the field inspection, the whole system Unsatisfactory This condition observed can cause a backup into the home being served. The condition of this system should be corrected immediat

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Law firm received a default judgment against me in XXXX in the state of New Jersey. They received this judgment by sending court documents to my childhood home in which I did not live anymore my ( grandmother 's house ). They were also sending mail to my moms vacant home in NJ in order to get a wage garnishment 17 years later. This attorney was able to get wage garnishments even though there was improper service of all documents. I was not given the chance to respond to any motions that were filed against me. The only way I found out about the garnishments was by emails via XXXX. This attorney also tried to XXXX money out of my bank account on the same day they are getting wages out of my pay. They have caused me great financial hardship as I have expressed to the courts multiple times without receiving any elief. The worse part is that I never had a credit account with the original creditors nor do I have any information regarding these accounts. The original creditors have closed down and I have been unable to contact anyone to ask about these accounts as they are fraudulent. This same company was charged by the SEC for fraud and sued by other consumers multiple times over the last 15 years. I have filed several documents for identity theft and mail fraud in the past which were overlooked. I have been to court 2 times about this and the last hearing was dismissed without prejudice meaning I have another chance to stop this attorney who is trying to ruin my life. This attorney is going after everything I own and is trying to get me to lose my job by obtaining multiple garnishments under the same terms default judgments sent to the wrong addresses 11 to 18 years ago. The second wage garnishment was done in retaliation which is unethical and inhumane. They are attempting to make me lose everything I have in order to support my children and myself over unverified debt they have added XXXX of dollars of attorneys fees in order to increase the amount owed for their own personal gain. I'm in dire need of help in order to save my life.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-10-11
Company: Omnipoint Capital
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: 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 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed some of the accounts that were having late payments with the credit bureau for several attempts, to no avail. I have paid my obligations on time which is not ..Please CFPB help me out here and remove the accounts, you are my last hope. The following accounts are inaccurate 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 2018-10-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed multiple disputes with XXXX credit bureau to fix an incorrect Educational Loan balance with Multiple disputes. Despite providing updated account information from the loan company, each dispute is returned with no updated change on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the company commonwealth financial has placed a {$510.00} debt onto my credit report from a medical bill that was originated in XX/XX/2014and was paid in XX/XX/2014when I called his company they refused to give me their physical address they refused to tell me what they were collecting on and then they just discclosed they were collecting on a medical bill before getting my full name and then give me the mini Miranda they refused to provide me with a letter stating that I owe the stat the original daughter or anything like that so I know that many laws have been broken here. They didnt even know my full name and they disclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My two private student loans are at 11.75 % and they will not give me the promised discounts with auto draft and their reason is i just don't qualify. These loans from Navient are impossible to pay off! I have tried to talk with them and reason with them and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The morning of XXXX  the XXXX I called my bank chime inc to request a new card. I called the number XXXX XXXX XXXX XXXX at XXXX outgoing call and they called me back at XXXX and I was under the impression that I was talking to the bank, and I was not I was talking to a scammer. They informed me they were real. They wasnt going to take my money. They were chime. Informed me multiple times after telling me I could trust them. I then downloaded an app. They told me that It was protocol to verify my identity for chime. I then proceeded to download the app XXXX  XXXX XXXX. they then proceeded to tell me to send money through my checking and savings account to verify I was real while I was on the phone the whole time they were taking my money. The man on the phone was still saying he could be trusted. I sent the money forcefully not knowing it wasnt my bank. It was a security breach through chime. I called my bank and my bank called me back. I was under the impression the whole time I was talking to my bank and when my money was gone in all accounts checking savings and credit builder. He hung up the phone. I then called back immediately and the number was disconnected. I was very very upset. I cried and cried. I had no other options. I just got paid my paycheck the day before. All of my money missing. XXXX in every account. I called chime begging and pleading to dispute my charges and please please help me. I have a family to feed and babies to take care of. They told me there was nothing they could do. It was all my fault. I sent the money. They couldnt dispute my charges and nor did they want too no one could help me get my money back. I then had to go take a title loan out to be able to survive the next XXXX weeks without any money for me or my children. I could only get a small loan with a XXXX percent interest rate. All because I had got scammed. I called the police right after and made a police report. I will add that below. I contacted chime and those emails will also be below. I made a police report and a chime fraud report and still couldnt get my money back. I have yet to get any money or any help through chime. I then saw the news article about chime inc being found guilty of illegally forcing consumers to waive their legal right and failing to provide security to consumers. As a result chime is required to refund affected consumers XXXX XXXX dollars to CFPBs victims relief fund. I am a victim of this crime and I will do everything in my power to get my hard working money back for me and my childrens sake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Global Credit & Collection Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was sent a letter By GLOBAL CREDIT & COLLECTION CORP detailing a alleged debt not owed, further more I did not authorize this company to contact me or have my personal Indentifying information, this company do not have my consent un 15 U.S.C 1692 c.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: IN
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/2018 I sent a dispute letter to Equifax as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate. On XX/XX/2018 Equifax responded with an investigation report saying the account has been verified. When I saw this I knew there was no way Equifax did a proper investigation. On XX/XX/2018 I sent another letter to Equifax in response to the investigation letter they had sent me. This letter was an FCRA 611 method of investigation letter in which Equifax would have 15 days to show me their method of how they verified the inaccurate item. I did not receive a response from Equifax in 15 days, so I called Equifax on XX/XX/2018 only to be told by a supervisor the FCRA 611 does not pertain to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XX/XX/XXXXXXXX XXXX  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 non-monetary relief
Consumer complaint received 2020-10-02
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call with the caller ID marked as " XXXX XXXX. '' Thinking it was XXXX because I had recently chatted with their support services, I picked up the call. The caller on the other line said something along the lines of being part of the XXXX trying to collect a debt. I immediately hung the phone up. I wanted to make sure this person was caught or something be done about these people so I filed a complaint with as well as here at the CFPB. The incoming call was named " XXXX  XXXX '' and the phone number received was from XXXX. I understand that the phone receipt information can easily be spoofed. Perhaps you can work with XXXX XXXX XXXX ( my service provider ) and run a network trace of the call made to my number ( XXXX ) by this caller at XXXX AM on XX/XX/2020, you may have a clue to whomever is behind these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: EQUIFAX, 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:
Equifax has been reporting this XXXX acct XXXX acct number XXXX after they know it fraudulent because they blocked it with the full account number then left the account with the partial account number! XXXX  blocked it and I sent Equifax a Certified USPS letter over a week ago asking them to do the same with Proof and the lady named XXXX in Consumers Affairs refused saying I could have another 30 days but no  block. I asked by whose authority she simply kept repeating the same thing over and over! I am asking you The CFPB to help me with this annoying problem that they could care less about!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.

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 2023-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXXXXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent a letter asking to validate the debt they were reporting to my credit report, but I never receive a response. Then on XX/XX/2022 I asked Midland Funding LLC for more details regarding the account to which I again didnt get a response. This has been very stressful. I have right but they are violating them without consequences.

Company response to consumer: Closed with non-monetary relief