BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please 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 explanation
Consumer complaint received 2023-07-17
Company: Prosper Marketplace, Inc.
State: TX
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:
Dispute with Prosper XXXX XXXX reference # XXXX spoke to representative regarding merchant interest fees account. I did not realize I was paying interest for the balance per month of the card. I closed the account today in hopes that I could work an arrangement out towards the purchases I have made. They are unwilling to work with me to make these payments. I would like to see if the company would allow me to pay my balance without the interest considering the account is closed and the card will no longer be used. It is so terribly sad for individuals who are trying to fix their credit are milked and prodded to where roughly XXXX gets applied to the account balance. If this is the case maybe a best practice for the credit card company would be to say here is your minimum due, please select the interest pay option to pay an additional amount towards your balance. For example, if the minimum is {$30.00} and the interest is {$21.00} within the payment option it should have {$51.00} to pay so that at least the {$30.00} you paid goes towards the credit card account balance.

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 2022-04-18
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:
Would like to file complaint in regards to Transunion. They have reported things without my knowledge., or considered a dark pattern which has impacted my credit tremendously. As well as they do not update information accurately or in a timely fashion.

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 2021-05-25
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:
There are many many many accounts that are not mine I have not opened these or used or approved these I need help since the bureaus and the furnishers do not answer any of my emails letters or calls. This is identity theft. 

XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$330.00} XXXX XXXXXXXX BANK USA N -Acct # XXXX Opened XX/XX/XXXX Amt {$2100.00} XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX BANK XXXX XXXX Acct # XXXX Opened XXXX XXXX, XXXX Amt {$3500.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$600.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9600.00}

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
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX  This account is not mine XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.

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 2023-12-14
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX  This account is not mine XXXX XXXX Please verify that this is accurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICED ERRORS ON CONSUMER REPORT AND MADE I, C, SYSTEM, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. I.C. SYSTEMS, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT WAS CHARGED OFF BY ORGINAL SO CALLLED CREDITOR AND THEY HAVE NO CONTRACTUAL AGREEMENT WITH ME NOR HAVE THEY EVER 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS OF A DEBT BEING PAST DUE IN THE AMOUNT OF {$1900.00}. THAT HAS BEEN CHARGED OFF WITH XXXX XXXX XXXX XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

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 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

List account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2023-12-14
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid this off in full on XX/XX/XXXX. I never wanted this line of credit. I never understood that if I borrowed XXXX they would report me as owing XXXX and take payments until I paid them XXXX dollars. I had to go to my bank to stop the payments bc I couldnt close the account with them. On XX/XX/XXXXXXXX  this was paid in full. It remains in my credit. I filed a dispute with the credit bureaus on XX/XX/XXXXXXXX  and it was found to be accurate but I have the bank statement showing I paid off the balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Freedom Mortgage Company
State: MO
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 # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

List account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 

15 USC 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I took out a loan in XXXXXXXX XXXX XXXX, The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2023-12-14
Company: EQUIFAX, INC.
State: MO
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 am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had submitted a complaint about not being able to get proper insurance for my home. I cancelled said policy 's after discovering they were not accurate. I did this within a 48 hour time frame. XXXX sent me a letter confirming that afterwards saying that they received a policy but could not change it unless I authorized the change. Then I received a letter from them saying they had sent money to the company and it would be taken out of my escrow. Even though I never confirmed the insurance change. Before I could not get them to send the check and now they sent the check to XXXX without my knowledge. I did call XXXX and explain the situation with truest and inform them that I never received a refund check nor did I want one mailed to my house. They confirmed that the check was never cashed. And said they would return it to truest electronically. I do have a reference number but unfortunately it is all packed up because I have to move out of my family 's property. I will sell it just to prevent any further dealing with XXXX. Also the payment made in full with XXXX on XX/XX/XXXX has not been reflected on my account as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that XXXX sold to Midland. I had taken a loan with XXXX in XXXX and have proof it had been paid off. I sent a copy to Midland Credit Credit Management and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. 

In XXXX they sent an order through XXXX  XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature Midland could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. 
Once again, Midland Credit Management has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the loan online, and received an automated phone call that my loan request had been approved. I was told to call XXXX to finalize the transaction. I was offered a {$10000.00} loan with a $ XXXX/month payback over 60 months. I spoke with XXXX and he outlined all the terms and conditions. I was told I would receive the funds via XXXX XXXX, but I had to pay the wire transfer fees upfront with a prepaid card. I was told to get a XXXX XXXX or XXXX card in the amount of {$360.00} and that XXXX XXXX would call me for the card information. I went to XXXX XXXX and purchased a XXXX XXXX card. On the way home from the store I started feeling suspicious that " what does XXXX XXXX want with a prepaid XXXX XXXX card? ", so when I got home ( and before I gave them the information ) started doing some research both online and with phone calls to XXXX XXXX and One Main Financial. I was told by XXXX XXXX that the MTCN numbers of XXXX & XXXX did not exist. They also told me that they do not accept XXXX XXXX gift card for payment. One Main Financial told me this is not the way they operate, they do not use XXXX XXXX to transmit funds. When I " googled '' the phone number XXXX I found other complaints of scams associated with this listing. I had never signed a loan contract - XXXX told me after I provide the card info and my funds were wired that I would be required to sign. After this research I told him that I did not feel comfortable providing any further information by phone, to please send me an email with the contract information. The email is from XXXX. This does not look like any other legal form I have signed online, and it says repayment is {$100.00} per month. So now I have a XXXX XXXX card worth {$360.00} ( I never gave information over the phone ) and no loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: UT
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:
On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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