BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
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:
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 XXXX. 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 n 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 us 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2023-12-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Since the XXXX pandemic, Ive suffered physically, emotionally, economically and was hospitalized due directly to XXXX XXXX sickness. I had great credit, score XXXX and great credit rating. XXXX directly to the pandemic, my employer claimed bankruptcy, I fell behind on paying my bills due to hospitalization of XXXX XXXX. It took me a year and a half, staying in contact with my creditors to pay the balances off. In XX/XX/XXXX I got my life back together, contacted all my XXXX creditors and made payments to pay off my balances, satisfied my debts and closed my account. All my credit accounts were now paid, satisfied and closed. XXXX creditor, XXXX  bank is appearing on my Experian credit report twice as Potentially Negative. This is XXXX account, not XXXX separate accounts but only Experian is wrongly reporting this creditor twice on my credit report, which makes my fico score lower, appearing I have XXXX negative accounts with XXXX, no only XXXX and that account was paid and satisfied. Both XXXX  credit reports on Experian have the same account information so why is Experian only, not XXXX or XXXX reporting this false information. This XXXX  creditor was paid and satisfied in XX/XX/XXXX. I tried twice to dispute this with Experian but they refused to remove XXXX of XXXX  credit report as potentially negative from my credit report when it should only be showing XXXX, ( XXXX ) XXXX  account that was potentially negative but was satisfied, paid and closed. XXXX asking for your help to make experian reporting agency only, to remove the double reporting of XXXX  bank information. Again there is only XXXX XXXX  account but Experian reports XXXX, both with same account # and exactly the same information as to balance, being paid, satisfied and closed but Experian refused to remove this double reporting on my Experian credit report. XXXX and XXXX are reporting correctly, reporting once, and only XXXX XXXX  account with information including balance, date paid and satisfied then close. Please help me as experian has been horrible in customer service and refused to report correctly, accurately, but continues to report false, inaccurate and misleading information on my Experian credit report that is so obviously can been verified but Experian twice in my dispute with them just ignore me and continue to double report a creditor, XXXX  bank on my Experian 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 explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Velocity Portfolio Group
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-07
Company: HW Holding, Inc
State: CA
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:
1. Hunter Warfield Inc is currently furnishing and reporting information to my consumer report. 

2. I have no relationship with this agency and have no idea how they acquired any access to my consumer report or private data. 

3. It appears they are a debt collection agency based out of Florida. 

4. They sent me an email stating " This is an attempt to collect a debt ''. 

5. I do not know how they got my personal email to send me that. 

6. Hunter Warfield Inc. and XXXX XXXX XXXX XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to XXXX, XXXX, XXXX, Hunter Warfield Inc., and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. 

8. The adverse item being reported has nothing to do with any sort or crime or conviction thereof and is not equitable to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is trying to say I had car insurance with their company but I never did and I submitted them proof that I didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Uplift, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm not sure if this is the correct agency to report my grievance. I've received XXXX notices of debt collection. The lender was UPLIFT INC. and they sent it to XXXX XXXX XXXX XXXX. for collection. I have submitted an ID theft report to UPLIFT. I had to file and pick a police report as well. Today when I updated my ID thieft report through XXXX. I received an automated response. ( I also have a credit lock in place ) Here is part of what was sent to me : How to Uplift. 
Shop for your items and add them to your cart just like you normally would. When you are ready to checkout, simply select Uplift as your payment method. Youll need to provide some basic information like your mobile number and the last XXXX digits of your social security number to apply. If youre approved, finish checking out and youre done. XXXX simple steps to experience Buyer 's Joy! 

Uplift and your Credit.

Uplift commits to a refreshingly surprise-free, clear handling of your credit! Here is what you can expect when you apply : Verify your identity and determine your eligibility with a soft credit inquiry ; a soft credit inquiry does NOT affect your credit score!

US-Customers : NO hard inquiry, at any time, for any loan! 
CAD-Customers : Yes hard inquiries are done for all loans. 

No it's up to me to spend my time to prove this was not my transactions. Thankfully, it has not posted to my credit report yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Sensible Auto Lending, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts were fraudulently open in my name I've sent in police report ftc report proof of identification proof of address to the credit bureaus and contacted the creditors and notified them of the identity theft as well I demand these accounts be removed if not already removed from my credit report I do not authorize any third party information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX , OH ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

! 5 U, S, C Section 602 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 2023-07-01
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Fabco called my mother 's phone looking for me when her number isn't listed on XX/XX/2023 and kept harassing her where to find me. Then the same day they called my employer and lied saying they were verifying a application for a rental property and and personal information about me. I have recieved a letter dated XX/XX/2023 saying that it's for a collections to XXXX XXXX for {$6000.00}. That I owe but didn't not know I could counter XXXX until it was to late for not fixing the apartment I was in and it was unsafe and the management new and was documented for 6 months they did nothing. They also denied the rent help I was going to recieve from XXXX XXXX XXXX and XXXX charities and pursed eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a supporting letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to a third party. 

There are clear violations of my federally protected consumer rights.

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 2017-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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 filed a dispute with the credit reporting agencies for a collection account that is fraudulently reporting on my credit report from Portfolio Recovery Associates ( PRA ). I have also filed a case with the Better Business Bureau and PRA has not yet resolved my issue. PRA is reporting on my credit reports as a Factoring Company account with which I have done business and this information is factually inaccurate. PRA previously claimed that they are not reporting as a Factoring Company, but I have several months of credit reports that prove my complaint. I have attached a copy of the BBB complaint that I submitted including the response from PRA that is blatantly false as well as five different copies of the credit reporting furnished from PRA showing their claim as a Factoring Company on my credit reports through XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several notices from XXXX XXXX  XXXX regarding accounts I supposedly owe money to. They have garnished my wages and wiped out my bank accounts. The accounts are joint but they wipe out my husband 's social security money that is deposited there too. I send them proof of what funds are not my earnings and they say they never received that. My wages are garnished. They say the debt belongs to Midland Funding, LLC and I have to call them regarding what the debt is for. Midland says I have to get the information from XXXX. They say I was served papers. I never was. I don't know if my identity has been stolen or what but this is crazy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2021-06-02
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were told by our loan officer, and by PMI disclosures we signed when we refinanced our mortgage with BSI financial, that we could remove the PMI when then loan to value ratio was 20 percent or higher. 

Since then, values in our neighborhood have risen rapidly, exceeding the 20 % loan-to value rate. On a number of occasions we have contacted BSI, trying to ascertain whether they would consider in their PMI calculation a new appraisal that indicated the currect home value. They said that if we paid for our own appraisal, mailed it in with a handwritten letter requesting that PMI be removed, it was very likely that the PMI would be removed. 

We did so, paying XXXX dollars to have our home appraised. The appraisal came in at XXXX, while our original loan was for XXXX. 

Today, I called again and asked to speak to speak to the person who made the decision to deny our request to remove the PMI. I was transferred to a XXXX XXXX, in the Loss and Mitigation department, who told me that my PMI could not be removed until two years had passed, and that, at that point, the loan-to-value ratio must be at 75 %. 

I told her in our loan disclosures ( PMI disclosure ) there was nothing about 75 %, and that I had been told from the beginning, and by customer service agents at BSI, that the ratio was 80 % .I even have a letter on their letterhead spelling this out numerically. 

I asked her if she could locate any of the initial disclosures I signed that specified two years or 75 %, and she asked to put me on hold and hung up on me ( perhaps unintentionally? ). This is the second time I have been placed on hold by BSI and hung up on this week! 

The bottom line is that I want this bank to be clear and consistent in its PMI policies, and I want them to be transparent from the start regarding the formula they use and how they determine the loan-to-value ratio. In addition, I want consumers to know which appraisal is used by BSI in making their decisions, and whether they are following the law and not simply arbitrarily making decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed the account. They were accusing someone of being abusive when the employees do not listen and talk over the customer nonstop. The company NEEDS TO STOP SENDING MY ITEMS!! THEY NEED TO STOP XXXX AND XXXX things to my parents house. THE COMPANY NEEDS TO STOP! 

If they continue to harass me they will have charges filed against them! I offered to settle the accounts with them, and they REFUSED payment. They need to stop asking me for money at this point! You were given the opportunity to resolve it! NOW LEAVE ME ALONE, CAPITAL ONE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2019-03-29
Company: Perfection Collection
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Named Perfection Collection {$2400.00} was disputed to XXXX and subsequently removed by XXXX between XX/XX/XXXX and XX/XX/XXXX, Then without notifying me XXXX placed the account back on my credit report between XX/XX/XXXX and XX/XX/XXXX This in violation of FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Also the account seems to have been re-aged in Violation of FCRA Section 605 ( C ) Last neither the collection agency or XXXX have not validated the debt with and original signed & dated contract which would validate the debt. This in Violation of FDCPA Section 809 ( B ) FTC Opinion Letter XXXX  from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation