BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Credit inquiry made today on my credit report from XXXX XXXX bank. I was not aware of it nor did I authorize this. I was notified by 2 of my credit monitoring companies.

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 2018-07-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, The reason for me filing this complaint is due to Credit Acceptance failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
send Transunion, XXXX  and XXXX a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2023-04-20
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: Southwest Credit Systems, L.P.
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:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted  from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this  matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: LA
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 have accounts on my credit report that do not belong to me. I made a FTC report to the credit bureaus. I report the accounts to the bureaus to remove the accounts for my credit report. They didn't remove them. 

inaccurate accounts 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 XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is not resolved there Carrington responded by not to the issue. There is still a problem with the amount of escrow that they have calculated about XXXX. XXXX is not justified please review the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I missed a payment and the company, Comenity Bank has called me 12 times in the last two days. This is harrasment. It is affecting my work and therefore my ability to pay them back. They did not give me an opportunity to assess my finances and call back to pay. They are calling relentlessly and it is causing my anxiety at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
someone stole my identity got into my bank account and attempted to open credit cards in my name

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 2020-09-29
Company: EOS Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification that I have been placed in collections on XX/XX/2020 for an account that is not mine. The name of the collections company is EOS CCA and the amount is {$530.00}. As a result, my credit score has suffered immensely. I have reached out to the collections company and there has been no change. I need this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I can file as many complaints as it takes to get Experian to do a proper investigation. But if they don't do an investigation after this second complaint, I am sending this to an attorney. Their opinions of who filed this complaint is of no concern to me, but the fact that they are breaking the law and purposely keeping my credit report damaged without attempting an investigation is.

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 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America requested my credit information for a credit check in order to qualify for a mortgage. I have not received the results from this credit pull. I asked last week 3 different times to send this information. They never responded to this request and recently asked permission to pull another check because THEY messed up inputting information the first time. How many mystery credit pulls do I need to submit to for a mortgage.

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 2020-09-29
Company: Possible Financial Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted, on 13 occassions to contact Possible Finance to resolve their collection account that's being reported to my credit report. This is not my debt, but I can not let a {$43.00} amount ruin my credit. They do not answer calls, their voicemail states you can ONLY communicate via email, and they have not responded to my emails for 4 months. This debt is not mine, I have tried resolving with the creditor- and they WILL NOT RESPOND. I NEED HELP! This is effecting my ability to use credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
About a week ago I checked my credit report and noticed a new account in collections. I immediately called the debt collection agency and found out the origin of this debt. The debt was several years old and had been on an automatic payment plan ( the original payment plan was set up through XXXX ) It was my understanding that the automatic payments continued until the full amount was paid off. The bank card that the payments out of was my at the time boyfriend 's, and we split up, so I did not know the payments had stopped. I never received any notice about this debt or I would have taken care of it immediately. 

As soon as I saw this on my credit report I called the company and paid the amount in full. My concern is that this will still have a negative impact on my credit score and I have been working very diligently on improving my score, so for a new collection to be added for a debt that I didn't know existed is very frustrating. 

Thank you for your time. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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 came across a bankruptcy on my credit report that was not fully verified. I disputed on XX/XX/2021 this information to TransUnion and they claimed that it was verified XX/XX/2021. I asked for a description of procedures along with the source who provided them the information. On a phone call XX/XX/2021 they refused to provide the source other than stating that the courts hired a third party to verify the Information. Before filing the dispute I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agencies or third parties and that they are unaware of how credit reporting agencies get there information. I also provided to the courts an Affidavit of facts that was notarized because I didn't authorize the release of any personal information. I then went on TransUnions 's website and came across XXXX and XXXX is the vendor for public records in which TransUnion records. Problem is, if TransUnion did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. On XXXX 's website it states " TransUnion, not XXXX, matches bankruptcy information to the TransUnion consumer credit files. '' XXXX trying to understand why TransUnion would tell me that the court house hired the third party? How can TransUnion trust this information if XXXX hasn't verified this XXXX before selling it to TransUnion? I want to make TransUnion aware that they must fully understand by law that they must fully identify anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full XXXX dight social security number. The FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a XXXX  report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all 9 dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that TransUnion should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.

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 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted by an individual named XXXX XXXX I was also given a second name XXXX XXXX. 
I was looking for a room to rent in the XXXX Nevada area. They said they had a spare room to rent and after obtaining ID verification from them and information on the house and a few other things. Everything was done and payment was the only step necessary to move in. I sent an initial XXXX $ security deposit, then a second XXXX $ for half of rent. I was supposed to meet up with her the second day at the home to get key and move my stuff in. On XX/XX/XXXX she says we cant meet until other half of payment due to maintenance issues and security issues. And me already having paid the first half I believed it was safe since I had ID VERIFICATION and many other information so I forwarded another XXXX $ to the individual. After that I went to location and the home owner was clueless as to who this idnciuql was and had no clue of anything. And I would not get texts back from the individual till today. I filed a report with XXXX for the XXXX $ deposit on XX/XX/XXXX as well as with Bank of America for the XXXX $ transferred through their app payment program XXXX After a month wait, both companies denied a refund due to it being a wire transfer. 
This is all the information I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX $ security deposit XX/XX/XXXX XXXX $ half rent before move in XX/XX/XXXX XXXX $ other half rent after key sent XX/XX/XXXX Asking for XXXX more XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX as well as a ID photo and photos of the supposed individual. 
I contacted both banks after my complaints seeing if anything else was possible and they wouldnt help. I would love to forward all other photos and info I have.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called repeatedly or gone online to unfreeze my credit and i have been assured that it is unfrozen. But when I try to set up an account with XXXX, I am told my credit is still frozen. I have been dealing with this for months and it is almost impossible to talk to a person at Transunion. I just want my credit unfrozen so I can get a phone line set up.

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