BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2022-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 personally-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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back on XX/XX/19 I filed a complaint with consumer financial protection bureau about TransUnion about a freeze on my credit report the credit bureau gave a respond stating there was no freeze on my credit since that time I have applied for credit several time only to find out that there still is a freeze I called TransUnion and ask to have the freeze permanently removed they said they will take care of today I try again applying for credit and there a freeze on my credit

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 2022-03-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 2019-03-24
Company: EQUIFAX, 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:
Information is reporting on my credit report that does not belong to me. I have never had a cell phone plan or a credit card. EVER! I only use pre-paid phones. And I have never used a credit card in my life. At the time that these accounts were opened, I was XXXX. I complained to the FTC and also the FBOP because I am unable to obtain work or ever get a cell phone plan Please remove these items from my report XXXX XXXX   XXXX  - Opened XX/XX/2018 Balance {$1200.00} XXXX XXXX XXXX - Opened XX/XX/2018 Balace {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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 belongs to someone else

Complaint:
PLEASE UPDATE MY PERSONAL INFORMATION AND PLEASE UPDATE THE ACCURATE ONE.

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 2021-07-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, XXXX, and Equifax. XXXX and XXXX and Equifax are not doing their job and are just verifying these accounts as accurate without really investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested to have this account verified several times for inaccurate reporting via the credit bureau and XXXX  XXXX XXXX have not received any original documents verifying this account belongs to me. My consumer report shows this account as a charge off which can not be reported as debit and income according to the IRS. XXXX XXXX in violating my consumer rights 15usc1681 by continuing to furnish inaccurate information.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-03-11
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXX  Balance {$360000.00} ; XXXX XXXX  Balance {$360000.00}.

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 non-monetary relief
Consumer complaint received 2020-03-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My reputable lender XXXX sold my mortgage to what I feel is a predatory lender Carrington Mortgage Services. I had not received any information from them on making my payments. They didnt send a payment book.I found out on my own that they are charging me for making my payment on time for using either their pay by phone ( {$10.00}. ) or website ( {$5.00}. ). I am just disgusted I might as well be paying a credit card company to make my payment on time. When I called the gentleman in customer service just said different institutions have different policies, well I never signed up for their institution or their policy. My loan was due to be paid off in about 7 years and now I am going to have to look at refinancing just to get away from this unfortunate lender that I never signed up to do business with. I am really upset and at least I am in a position where I can look at another lender, others are not so fortunate. I hope someone looks into this. People should not be punished for paying for their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Macy 's credit card. On XX/XX/XXXX I reported XXXX fraudulent orders from Macys.com which were charged to my Macy 's credit card. On XX/XX/XXXX I reported these fraudulent charges via phone with XXXX XXXX XXXX department. XXXX 's cancelled XXXX of the charges and did not ship it. The second charge order number XXXX they shipped on XX/XX/XXXX. I called Macy 's again on XX/XX/XXXX to tell them they shipped the fraudulent order to a fraudulent address and I was told the XXXX charge would not appear on my bill. Macy 's mailed me a new credit card. On XX/XX/XXXX, I received a bill from Macy 's in the amount of XXXX. I called them on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX to file a formal complaint. He would not tell me their bank regulator name or consumer protection agency name. I requested that no more bills be sent to me and to close my account. I did not receive email confirmation of either as requested. I did not receive email confirmation of my formal complaint as requested. XXXX disconnected the conversation and did not call me back. On XX/XX/XXXX I received another bill from Macy 's which includes the XXXX charge, a late fee of XXXX and interest of XXXX. I want written confirmation of a XXXX balance and written confirmation that my account is closed. I want confirmation that any adverse credit reporting regarding a past due bill has been corrected.

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 monetary relief
Consumer complaint received 2021-09-18
Company: Experian Information Solutions Inc.
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:
illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an XXXX  XXXX  XXXX  that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by XXXX  XXXX  XXXX. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the Experian credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) Experian verified and noted that with respect to XXXX Visa Account # XXXXthe Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. XXXX XXXX has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to XXXX XXXX falsely fraudulently claimed that it was Charged off by XXXX XXXX effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by Experian. 
XXXX XXXX XXXX XXXX XXXX {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}

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 non-monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX, XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX  - XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX ( Contract hire ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/2022 I did not give these companies authorization to pull My credit report these are fraudulent inquiries an they shouldn't be on 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 2020-03-16
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a copy of an email I sent on XX/XX/XXXX to NewRez LLC / Shellpoint Mortgage Servicing that describes the complaint as well. 

XX/XX/XXXX NewRez LLC / Shellpoint Mortgage Servicing XXXX. XXXX  XXXX XXXX, SC XXXX RE : NOTICE OF ERROR Dear NewRez / Shellpoint Mortgage Servicing Staff : I am sending this NOTICE OF ERROR to notify NewRez LLC / Shellpoint Mortgage Servicing for the fourth time that the company has NOT paid my Property Taxes for my property located at XXXX XXXX XXXX, XXXX NH XXXX. This tax was due on XX/XX/XXXX, and I am including a copy of the tax bill with this email. My Escrow Account with NewRez currently has {$5600.00} [ this amount is now {$6200.00} ], and has had plenty of funds in my account to pay this bill when and since it was due. 

This is the fourth time [ since the sending of this email, there were three additional contacts with NewRez for a total of seven contacts ] that I have notified NewRez LLC / Shellpoint Mortgage Servicing over the past month [ this has now been two months ]. I called your customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX [ later XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ]. Each time I was assured by your representatives that they could see the error and that the payment would be made as soon as possible, but that it could take a couple of weeks and that the company actually had 30 business days to make the tax payment. During the last call on XX/XX/XXXX, I was told that the matter would be escalated, and that I would receive a call back on Friday, XX/XX/XXXX, with a status. I did not receive a call back. At this point, I am very disappointed, but I am also very concerned [ on XX/XX/XXXX, I was told by a representative that the taxes were set to be paid on or before XX/XX/XXXX, so I have waited, and the taxes have still not been paid as of XX/XX/XXXX ; on XX/XX/XXXX, I was told that the issue has been escalated and someone should contact me back within 48 hours ]. 

Please pay the property tax payment of {$3300.00} plus any additional fees and interest, which representatives have assured me will be paid by NewRez, and resolve this matter as soon as possible. Please let me know if you need anything else from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX charges ( {$1200.00} ) for equipment and final bill. Equipment was returned on XX/XX/XXXX and received by XXXX. Final bill was paid in full on XX/XX/XXXX for {$520.00} rep was XXXX XXXX Confirmation number XXXX. Ability recovery was handling this acct and are aware that its settled. Was settled directly with XXXXXXXX XXXX XXXX XXXX. Disputed with XXXX XXXX who says this debt is accurate and will stay on my credit.

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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly afteXXXX XXXX XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.

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