BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent Transunion the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.

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 2021-03-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax refuses to update my personal information and my credit file. My credit card has sent them many updates, I have sent in my identification to update address and they refuse to update. They show I live somewhere I haven't lived at for about 10years. I cant even speak with anyone because the " security '' question asked is " If I have or ever had a credit card '' which I currently hold one but they don't any information regarding it so I cant verify my identity. The other " security '' question is to verify where I live, as you would imagine I cant verify I live somewhere if they have no clue and think I live somewhere from 10 years ago. 

I cant get a first time home owners loan until this is sorted out. they're reporting incorrect credit score because they have no clue I even have or had credit. As well as they show I live in a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 XX/XX/2022 I disputed collections and charge offs that do not belong to me & they all came back as verified with no proof or wet signature. 

They reported the debts as new after the disputed and continuing to charge late payments when I have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: IL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than XXXX times. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have reached out to the credit bureau several time in regard to some accounts that are reporting inaccurate. They are not sending me any verification as to how these accounts are accurate if they are reporting two different account balances. The dates sent letters are listed below. Attachments are attached! XXXX first is reporting a balance of {$110.00} and there should be {$0.00} balance reporting. They are also reporting a balance {$220.00} twice and the balance should be {$0.00}. This also appears to be a duplicate account. Also, there is one reporting as {$520.00} when the balance should be {$0.00} the way XXXX is reporting {$0.00}. 
XXXX is reporting a different balance and I do not owe any money. How is it that XXXX is reporting a monthly payment and TransUnion is reporting $ 0 monthly payment as well as a different balance and past due amount. There are alot of discrepancies here! 

XX/XX/XXXX XX/XX/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 2021-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO CHECK IF THEY'RE REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: OH
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 have an account that is not accurate from XXXX XXXX XXXX # XXXX Date of Last Payment Debtor Payment XXXX XXXX is missing and this is not a company that I ever remember doing business with in any fashion. 
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. I have inquiries that I do not recognize from the following companies, XXXX XXXX, XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On or about XX/XX/XXXX I deposited a check from XXXX XXXX XXXX XXXX in to a Capital One Savings Account at a local branch, an account that transitioned into an online 360 retail bank account without my knowledge. The check required a signature from myself and an attorney who I fired before being mailed the check. My then attorney ceased communication with me and after multiple attempts of trying to reach the other party on the check I signed it in good faith to pay the attorney for reasonable services and opened a savings account at Capital One local branch Bank to protect the other parties assets. 

Without effective investigation, Capital One terminated our relationship after I willing stated the other party refused to communicate with me. About one month after the deposit was made, the other party communicated with me and agreed to go into a branch and sign the check signed, so funds could be released and everyone can move forward with terminating the relationship. 

On or about XX/XX/XXXX the bank froze all of my assets in my checking and savings account due to the signature issue, then deleted the original check and attempted to charge me for {$2300.00} for a withdrawl that was accepted from the institution around XX/XX/XXXX. On or about XX/XX/XXXX the bank listed I made a customer withdrawl in the amount of {$2300.00} when the account was closed. For almost 2 months I have been reaching out to Capital One Bank to find a resolve to retrieve the funds and complete what is required to terminate the relationship. 

Representatives have stated several times they are not releasing the funds and have repeatedly misled me to believe the bank listed on the check can provide a hold harmless agreement form that can be sent to their security department via fax or mailed. 

On XX/XX/XXXX I visited a local XXXX XXXX to obtain the form and the banker informed me after detailed research the form was non-existent. Capital One refuses to communicate with the bank to reverse funds and they refuse to communicate with me on settling the issue regarding this savings account. 

To this date, XX/XX/XXXX I have not heard from Capital One regarding a resolution on this matter, by phone or mail and at this time they are withholding my funds after termination of the relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information 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 explanation
Consumer complaint received 2023-07-26
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX I went to American car center and bought a car or in the process the price of the car is XXXX. I put down XXXX in cash. My payments are {$460.00} a month. XXXX of XXXX, I discovered that American car center was closed down. The website directed me to Westlake portfolio Management. I called they claim they were taking over the payments for American car. I never signed a contract with Westlake portfolio Management. They can not produce a contract for them nor provide me any evidence I owe them this debt. My warranty with American car center has been cancelled due to them going out of business and filing bankruptcy. Also, they have removed themselves off of my credit profile and dropped my XXXX XXXX down XXXX. They are illegally repossing cars, grand theft auto, tax evasion etc. Where does this leave me and everyone else? Please investigate this ASAP. Our lively hoods depends on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: AL
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:
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2020-07-03
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.

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 2021-09-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello and to whom it may concern ; I will begin by describing in detail the situation at hand. To start with, back in XXXX, we had a HELOC on our house. Despite the fact that we obtained this HELOC through XXXX XXXX, XXXX XXXX took over XXXX XXXX. When the real-estate market crashed in XXXX, we were forced to file for bankruptcy. After bankruptcy we contacted XXXX XXXX for a settlement, because the price of our house was much lower than what we seemingly owed. We offered them a certain amount of cash to settle this issue, but after a long delay we received a letter back stating that XXXX XXXX was turned over/sold to SLS ( Specialized Loan Servicing LLC ) and that from there on out we must communicate with SLS. 

After persistent attempts in contacting SLS, we finally received a letter back regarding our previous settlement offer to XXXX XXXX. The letter stated that we were no longer liable for the debt. They refused our cash offer in XXXX of XXXX. 

After this period, we had no other communication with SLS. Recently however, due to the current lower mortgage interest rate we decided to proceed with refinancing. During this time, we were informed by the finance company that there is a lien on the title from XXXX XXXX. We were completely unaware and shocked with this matter. Furthermore, we attempted communicating with SLS but our efforts were useless. We received absolutely no aid. Due to this, we hired a real estate attorney. Our attorney contacted SLS and according to her assessment, the lien actually has no value but SLS is refusing to cooperate and resolve the issue.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX is not showing the account number. therefore it is incorrect information and under the Fair Credit Reporting Act I need these removed from all of my credit reports.

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 2023-07-20
Company: Sterling Infosystems Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX & XXXX XXXX record on my report from places i've never been, or lived. Also, several names that are attached to me that i've never used for any reason.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX 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.

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 2020-11-08
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: Was not notified of investigation status or results

Complaint:
On the date of XX/XX/2020 the Transunion received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Transunion asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XX/XX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Transunion was not able to provide.

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 2023-12-18
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern, I am filing this complaint against National Credit Systems , Inc. regarding their handling of an alleged debt associated with XXXX XXXX XXXX. This situation concerns account number XXXX, with a series of communications and evidence submissions dating back to XX/XX/2023. 

Summary of the Issue : Initial Dispute and Evidence Submission : On XX/XX/2023, I sent a final notice and reassertion of my debt dispute to National Credit Systems , Inc . This included substantial photographic evidence, sent via certified mail and email, showing violations of our lease agreement by XXXX XXXX XXXX, specifically under Florida Statutes 83.51 ( 1 ) and 83.53 ( 2 ). 

Evidence of Communication : On XX/XX/2023, I forwarded screenshots of the dated dispute letter, the certified mail receipt, and a photograph of the letter being sent. This was to ensure that there was no discrepancy in communication and to serve as an additional documented response. 

Failure to Address Evidence : Despite the clear and documented evidence provided, National Credit Systems , Inc. has failed to adequately address or refute the claims made. Consequently, I have reiterated that unless the agency provides a substantive rebuttal to the evidence, the alleged debt should be considered invalid. 

Demand for XXXX : I have repeatedly demanded that all collection activities, including any reporting to credit bureaus, cease immediately unless National Credit Systems , Inc. can lawfully rebut my claims. A written acknowledgment of the closure of this account has been requested within 15 business days from each communication. 

Given the above details, I believe that National Credit Systems , Inc. 's failure to properly address the provided evidence and to invalidate the debt is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their continued pursuit of this debt, in the absence of a proper rebuttal, not only disregards the evidence but also my rights as a consumer. 

This situation has caused significant stress and inconvenience, and I seek the CFPB 's assistance in resolving this matter fairly, in accordance with federal regulations. 

Thank you for your attention to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I requested a dispute into a debt collector ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/ and I received the response back on XX/XX/ via electronic saying the information was verified as accurate. I don't believe TransUnion verified this debt legally and accurately because I don't owe a debt to this company or any company. XXXX XXXX never sent me a letter or statement asking for payment of this allege 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