BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is allegedly a HARD INQUIRY on my credit from XXXX XXXX XXXX 

According to my credit report, this inquiry will remain until XX/XX/2024. I never heard from XXXX XXXX XXXX received a credit card from them. 

How are they able to make a hard inquiry on me without my permission?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}

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 2023-08-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
We jumped through all the hoops to receive a forbearance after I lost my job during covid and my husband was laid off. Went through their employment service and got a great job. Started the workout process for our loan to avoid paying all the back payments missed during forbearance. Received workout option. Had to be notarized and returned in 14 days had it back in 7. Tracked that they received it and called numerous time. About 3 weeks later they said they never received our notarized paperwork. Now we received a letter that we did not meet the terms of our work out option, but we did. And now we just received a rapid foreclosure letter. The only people that will talk to us are first line phone answers. We have to repeat everything every time. Then they try to get us to start the process all over again. We want our paperwork recent so we can pay another {$120.00} ( we should not have to ) to renotarize. This time we will not use their return label, but have a courier delivery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There a XXXX XXXX that has been added to my TRANSUNION Credit Report! My address and only ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX THATS BEEN MY ONLY ADDRESS FOR OVER 6 YEARS. A XXXX XXXX  CAN NOT BE ADDED TO A CREDIT REPORT BECAUSE LENDERS DONT ACCEPT XXXX XXXX ES AT ALL NO LENDERS IN THE UNITED STATES ACCEPT XXXX XXXX XXXX EVER!!! LIKE IVE TOLD CREDIT BUREAU TRANSUNION NUMEROUS TIMES TO TAKE OFF XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT YOU STILL REFUSED AFTER NUMEROUS DOCUMENTS FTC REPORT, CFPB REPORTS, XXXX XXXX XXXX REPORTS, POLICE REPORTS AND NUMEROUS DOCUMENTS FOR OVER 6 MONTHS OF DISPUTING AND NOW SEE A XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX WAS ADDED TO MY CREDIT REPORT AND THE BUREAU KNOWS THAT THATS NOT ME!!! A XXXX XXXX CAN NOT BE ADDED TO A CREDIT REPORT BECAUSE NO LENDERS IN UNITED STATES ACCEPTS XXXX XXXX XXXX! AND AS YOU ALSO SEE THE ZIP CODE ON THAT XXXX XXXX IS NOT AND REAL EXISTING ZIP CODE FROM THE UNITED STATES AT ALL? THATS NOT A REAL ZIP CODE IN THIS COUNTRY!!! BUT YOU STILL ARGUED WITH ME NUMEROUS TIMES ON THE PHONE AND IGNORED MY DISPUTES BECAUSE THEY KEPT COMING BACK VERIFIED ON MY CREDIT REPORT. NOW YOU KNOW AND COMPREHENDING THAT IT WAS NEVER ME IN THE FIRST PLACE!!! IM REQUESTING {$1000.00} FOR VIOLATING MY FCRA AND CONSUMER LAW RIGHTS FOR EVERY SINGLE VIOLATION BELOW 6 MONTHS ( EVERY MONTH YOU KEPT ALL THIS FALSE INFORMATION ON MY CREDIT REPORT HURTING MY FAMILY ) PAIN AND SUFFERING!!!!!!!!!!

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 2023-06-19
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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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 items XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: KY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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 sent a letter to the XXXX and Equifax Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Paypal Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I turned on my TV and opened up my XXXX streaming app on I was instructed to sign up or log in by my computer and when I clicked log in I was given a code to put in. When I put in the code I was notified thatI would be helped by a XXXX agent to fix my problem. I being an older person believed I was being helped by an acutal contract agent of XXXX I allowed them access to my computer to fix my probem. Then I was coerced to accept a plan that doesn't exist. After I thought about what had transpired I contacted XXXX and they had no knowledge of any company called XXXX. I immediately contacted Paypal about the issue to file a complaint and was told by correspondance that my complaint wasn't unathorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-23
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX ( about XXXX XXXX ), " a white bald male walked up to the front door shouting out XXXX, XXXX ... without knocking '' per the owner of the house. The owner of the house heard voices and walked towards the door. As the owner approached the door to look at the peephole, the white male reaches in to knock loudly. The white male asked for XXXX, the owner of the house told him that I don't live there ( although I have permission to use the address to receive mail ). The owner of the house then asked what this is about, the white male introduced himself as a debt collector for XXXX and he trying to collect {$600.00} debt supposedly by XXXX. The owner asked the mail to be left at the front door but he refused to leave the mail due to the fact that I do not live there. I am homeless, I asked others to use their addresses to get employed. Luckily I was able to get employed a warehouse averaging 28 hours a week at minimum wage ( a seasonal job that I was hired on XX/XX/XXXX ). The debt collector has caused a scare to the owner of the house, I was phoned by the owner of the house to make aware of what was going on and he then requested that I stopped using his address. The debt collector has volunteered my personal to the owner of the house to cause more hardship to my life and his approach was very unprofessional and scary. The collector scared the owner of the house with his very very unprofessional approach. Im not even sure who it was. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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:
I XXXX the Consumer has attempted to resolve the incorrect and inaccurate information reported on my consumer report and have no success. They are in violation of subchapter of FCRA15 U.S. Code 1692g - Validation of debts they have yet to validate any of these alleged debts, they are in violation of15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

they have yet to provide me with a copy of my written instruction. they are also reporting alleged late payments which is in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making 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 explanation
Consumer complaint received 2021-03-08
Company: LEXISNEXIS
State: AZ
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX i got a report that had invalid information form Lexis Nexis I submitted a investigation after reviewing everything per their request XX/XX/XXXX Incident number XXXX My customer number is XXXX Case number is XXXX These company is stating that they have no idea and i should have called as they do not do any investigations by email request. note to that the report has a form that you fill out that it states investigation request please email I'm speaking to the company but they are no help i feel due to miss representation of this company report I have paid extensive insurance premiums I'm talking over {$6000.00} a year. I have a clean report on my driving and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My charges for USAA VISA BEGAN XX/XX/XXXX PER USAA. I am a victim of ideninity theft needing to verify A VISA card. When USAA was asked to provide how this Visa was Opened and By Whom The attatched MASTERCARD end XXXX XX/XX/XXXX. was sent to me. I then ask So if Visa was an old Mastercard that USAA coverted to Visa AS USAA TELLS ME and Was Not used UNTIL 4 YEARS AFTER OPENED IN XX/XX/XXXX. Why wasn't it CANCELLED DUE TO INACTIVITY. The average of which is 6 months average in the industry to cancel after inactivity. AND FRAUD CHARGES BEGAN THE VERY MONTH I BEGAN USE? I GUESTION HOW SAFE WAS THIS MASTERCARD/ VISA INACTIVE FOR OVER 4 YEARS CARD WAS THAT WAS NEVER CANCELLED FOR INACTIVITY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2021-12-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not received anything from Equifax in regards to my credit report and XXXX XXXX. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and XXXX XXXX. I've been trying to reach out to Equifax, they have not given me access to my CONSUMER CREDIT REPORT and XXXX XXXX. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND XXXX XXXX. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND XXXX XXXX I am entitled to a free weekly report due to the current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On Thursday, XX/XX/2019 my vehicle, a XX/XX/XXXX XXXX XXXX was repossessed by BMO Harris Bank, N.A. for what I presume was for unpaid late charges of {$200.00}. Since Thursday, XX/XX/2019 I have tried on numerous occasions to contact BMO Harris Bank, N.A. in order to resolve the issue. However, I continued to be transferred to different telephone numbers and told to the persons I have spoken to, XXXX XXXX, XXXX XXXX, XXXX XXXX (? ), XXXX XXXX, and XXXX XXXX that they are " sending an e-mail '' to someone who will contact me. 

As of today, Tuesday, XX/XX/2019 I have not been contacted by BMO Harris Bank, N.A. and remain without the use of my vehicle. 

All payments have been made in accordance with the coupons in the bank 's payment book and mailed well in advance of their ten day window for receipt prior to a late fee attaching.

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 2023-05-02
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: Information belongs to someone else

Complaint:
I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these bogus items that were added to my credit report as a result of the alleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX A XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX BANK XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX 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.

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 2020-03-09
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First knowledge of debt was a hold on my checking account, via a email from chase on the XXXX of XXXX. 
I called Coachella valley collection services in XXXX XXXX ca. The same day to request validation of debt that was 11 plus years old, bank email was my first received notice, and the hold of XXXX $ could not pay bills. At the time verbal request for verification of debt as well as disputing any amounts claimed. I followed up with two mailings certified and return receipt of the same, also requesting cease and desist any collection attempts due to disputing all. I received a renewal of a judgment only with a amount of over 82,000 . They took the XXXX $ on the XXXX of XXXX all after they were served with my dispute and verification notice. I then both written and verbal requested all debits and credits accounting on this dept ever. Telephonic to their attorney XXXX XXXX, and couldn't get it. I haven't even received the original judgment only the renewal. They haven't even received a receipt for the money they took out of my chase account. XXXX . I think thats grand larceny. The renewal judgment is for XXXX $ the letter it came with states XXXX $ with interest of XXXX $ on a claimed debt XXXX $ from a hoa. Judgement date of XX/XX/XXXX. I received no notice or the judgment still.

Company response to consumer: Closed with explanation