BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-04-04
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Company EOS/CCA called on XX/XX/2022 about a Ultities bill four years ago for {$1300.00} and I never received anything in the mail. I Specifically ask the Rep to send me documentation like signed contract or other information to verify the debt as I am a Victim of Identity theft and I do not know of such account. Instead of sending me the requested information require by law when a consumer request it.The company put the collection on my credit report without providing the information needed to verify the debt. As a victim of repeating identity theft situation with on that occurred last year. I should not have to continue to dispute information that is not mines on my credit report. Below is the Company information. They have violated my rights. This needs to be off of my credit report. 

EOS/CCA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-09-04
Company: ENCORE CAPITAL GROUP INC.
State: DE
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:
Midland credit was notified of the dispute on XX/XX/2021. Ive asked for them to provide proof with the original contract which states any obligation that I have to pay them. A representative verified that the account listed on the original contract was indeed not an address that Im associated with. Instead of then responding to this matter, they increased the COLLECTION account balance XXXX  {$1.00} which is ill to do it its a collection account and it doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America - " We were unsuccessful at recovering the funds on your behalf. '' " Neither XXXX nor the network financial institutions are responsible for resolving any payment or other disputes that you may have with any other user with whom you send money to or receive or request money from. " It is a negligence statement because only Bank of America can handle the funds of the recipient to whom I mistakenly transferred through XXXX. We trust Bank of America. The XXXX XXXX Police Department also suggested that only Bank of America can chargeback or transfer back money to my account for dispute transactions. 

I am just requesting to get my money back ( My kids are going to school now and need my support ). The recipient is taking advantage and holding my money without kindness or sympathy for children. I am not purchasing products through XXXX, I am supporting my children as a father working overseas. I admit that I was not informed about the change of my family member 's phone number. I made a XXXX cash transfer {$1900.00} $ on XX/XX/2023 for my children 's educational and daily expenses. If you have the same situation like this with your beloved family, what will you do? 

I am just asking help from Bank of America as a mediator / arbitrator to retrieve my money back from this person. I am not requesting a refund from the Bank of America in the amount of {$1900.00}. 

I want to share an article about XXXX XXXX  helping the customer who sent a XXXX money transfer to a stranger. She got her money back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Response from Bank of America Case Number XXXX XXXX - XXXX XXXX Call on XX/XX/2023 XXXX XXXX  to XXXX, Texas Bank of America along with the Burmese translator said He will send the dispute for reconsideration as this is Non-Fraud XXXX transfer.

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 2020-12-26
Company: Harris Law Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by Harris Law Group at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX XXXX the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed bankruptcy XXXX XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.

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 2019-10-03
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Discover Cards Account # XXXX My account CLOSED due to non payment months ago. At the time, I could NOT pay due to extenuating circumstances ( medical issues ). I've since decided to pay and settle account for LESS than original balance ... 

I have ceased making any payments on that arrangement. 

I would like to NOW go ahead ( within next 30 business days, to pay entire balance IN FULL, approx 1,600 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Bread Financial Holdings, Inc.
State: TX
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:
Comenity Capital Bank modified all of my bureaus but lately with XXXX so Comenity Capital violated many ways such as my privacy rights and doesn't have my rights anymore because account is sold but how it is sold to XXXX and Comenity Capital still on my credit report without my written permission to furnished on my credit report it is like triple jeopardy! 

I previously complained to XXXX and it is being modified but look at attached which is lot of violated in many ways with different dates, status : open, closed, last payment I do not make any paid this year that's LIE! Comenity is making my credit report " re-age '' to stay remains when it could've been deleted/removed from my credit reports by now or they should've changed to XXXX XXXX but instead they left my credit report so bad but they do not have a control to report it especially they sold the account but how they still remain as Comenity on my credit report. Third-party such as XXXX doesn't have my signed original because I do not sign contract with them or have written permission to furnished my credit reports. 

In accordance with the XXXX XXXX XXXX Act.Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active us inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 or consent.

15 U.S.C. 1692c states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/2021 I requested a payoff for my mortgage, with XXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.

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 2020-12-24
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a month ago, I filed a CFPB complaint against Debt Recovery Solutions about their agency reporting XXXX unverifiable XXXX XXXX on my credit report for {$980.00} and {$610.00}. They responded to the previous complaint, and agreed to delete the accounts from my credit profile. In fact, this was their exact response : " Company 's Response XXXX XXXX This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau XXXX The accounts in question were referred to our office for collection in XXXX. In light of the information set forth in this complaint, we have closed these accounts and returned them to our client for further processing. As such, all further collection activity by our company has been suspended. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing XXXX XXXX  XXXX '' Unfortunately, we have still not received anything from Debt Recovery Solutions about the origin of these debts, and in addition, they are still reporting them on my credit report almost an entire month later. So Debt Recovery Solutions continues to take no action to resolve my issues, and continue to needlessly damage my credit rating by allowing these accounts to continue to drag down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
After leasing this vehicle, I was charged a property tax by the company due to property tax assessed by the city or state upon a leased vehicle. It is my understanding this will be assessed upon my lease annually. I am a 100 % service-connected XXXX veteran.

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 2022-04-03
Company: EQUIFAX, INC.
State: NY
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  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. XXXX XXXX filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to XXXX XXXX at that time as I have a power of attorney to convey the property. They reused to accept the offer. The co-borrower did not respond to the foreclosure request, so it was not contested, and should have resulted in a summary judgment in XXXX. 

Instead, XXXX XXXX requested stays on seven occasions, while continuing to report the delinquency to credit. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made XXXX payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years. 

The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and XXXX XXXX agreed to waive any deficiency, late payments should no longer be reported to credit for me. XXXX XXXX then failed to sell the home in XXXX when the judgment became final, and finally sold the loan in XXXX of XXXX. The new servicer has also failed to sell the home, and has requested continued stays to the process. 

I requested XXXX XXXX to remove all credit bureau reporting on this loan from XX/XX/XXXX ( when the stipulated agreement became effective ) through present and they refused to do so. Instead they kept asking me to sign a quit claim deed to the property, so that I give up my rights to be informed on their actions in servicing their loan. This is a loophole in XXXX guidelines that should be closed. No one should be asked to give up their ownership rights without also being released from the debt.

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 2019-10-03
Company: EQUIFAX, INC.
State: NY
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:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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