BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Disputed in XXXX, XXXX, and XXXX of 2020 with XXXX  and Transunion credit bureaus about verifying the account of XXXX XXXX account XXXX XXXXXXXX. I asked for verification with XXXX XXXX account XXXX  XXXX, and I received no response from them all three times. XXXX and Transunion replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid off and this was suppose to be remove from my credit and the national loan database.

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 2023-01-28
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am XXXX XXXX behind on my car note but have been making payments every XXXX in an amount in excess of what my XXXX payments are in an attempt to slowly catch up. I have requested Bridgecrest to no longer harass me all XXXX but they call XXXXXXXX XXXX XXXX XXXX XXXX XXXX filling my voice mail box, and disrupting me while I am at work. They call from different numbers every time as well, so blocking does no good. I am exhausted with them and can not have them disturbing me at work anymore. I would provide specific dates, but it has been happening every day for the pasXXXX XXXX XXXX, every day including weekends. I get calls as early as XXXX XXXX, and as late as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.

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 2020-05-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I filed a dispute through XXXX  to have a collection account removed as it was being reported inaccurately by Enhanced Recovery Company ( ERC ). In my dispute, I noted the account they are trying to collect money on does not belong to me ; I requested they submit a validation that the debt is owed by me. After 30 days, ERC did not validate and the collection was removed from XXXX. 
This morning, XX/XX/2020 I received notice that a collection was placed on my XXXX  credit report. The collection agency is ERC who is attempting to collect the same debt that was previously disputed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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: Personal information incorrect

Complaint:
XX/XX/18 - was unable to start social security online account. Called Social Sec and they said they used Equifax and my address on my Social Security online account. 

I called Equifax and my street address is correct but there is an apartment number that even when I lived in an apartment years ago has NEVER been an apartment number for me. I asked them to correct it - they ave all of this info about me and NONE of my accounts have this apartment number, but they told me that it was MY responsibility to send in a great deal of documentation to prove they were wrong. AIN'T GON NA HAPPEN! If they make a mistake and I pass security surely to XXXX they can send my account to 'research ' or 'verification ' to check for errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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: Account status incorrect

Complaint:
I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: CT
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/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Account status incorrect

Complaint:
The XXXX  of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 CHECKED MY CREDIT REPORT AT THE END OF APRIL 2020 AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX  XXXX(XXXX-XXXX-XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM EXPERIAN AND TRANSUNION. XXXX  REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX XXXX XXXX XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX XXXX
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXX  XX/XX/XXXX

XXXX  
XX/XX/XXXX

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 explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit report and found the following items to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! Bureau has refused to investigate this negative account on my report. 
2. XXXX XXXX Account Number : XXXX I was never late on this account, NEVER, please remove late mark on status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To whom this may concern I XXXX XXXX feel I wasn't treated fairly at my Closing .XX/XX/2017 I purchased a home for XXXX I was granted Ga DREAM XXXX the seller gave me 3 %, EARNEST MONEY, APPRAISAL, XXXX XXXX XXXX XXXX XXXX Realtor XXXX I paid on my closing date. Closing lasted 4 hours my folder wasn't right numbers didn't add up everyone at the attorney office was aggravated it was very unprofessional and embarrasing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a 30 day late that Transunion will not remove from my credit report as of XX/XX/2017. My divorce decree filed XX/XX/2017 states the residence is awarded to my ex husband, therefore mortgage payments were NOT my responsibility as of that time. They were his responsibility and the home was awarded to him and he was paying the mortgage. I was not living in the home nor was I responsible for mortgage payments. I had moved out of the home XX/XX/2017.

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 2020-07-10
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:
XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, transunion and XXXX credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.

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 2019-03-02
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
The Midland credit Management MCM call me offering to pay a deb collection from a credit card, that amount original was XXXX. They said that I just have to pay XXXX and the balance will be removed from my credit report in full. I have more than 45 days I did the payment and the balance is still in my credits reports. They say that they already did his part and I dont thing it is true. I need to do an operation and my credit report is not helping me because of this incorrect information. My name is XXXX XXXX last 4 o my social XXXX. I need your help and protect my consumer rights please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had an auto loan with Global Lending LLC since 2016. When making extra payments, their website doesnt allow you to pay principal only and claims any payments over the amount due each month goes to principal. I recently found out that this is not the case, and my extra payments over the years was not going to principal. I was made aware of it this month when I made a much larger payment than usual and it was applied to future payments. They corrected that payment but are refusing to correct the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX XXXX, I noticed that I had a false late payment show up on my account due to an error by my bank, XXXX XXXX XXXX. I immediately called them where they assured me it was corrected and would never affect my credit as it would not be reported since it was their error. 

In XXXX XXXX, it randomly appeared on my credit score with XXXX and Transunion. I filed disputes for both of those scores and XXXX swiftly corrected it. I called XXXX XXXX XXXX and they transferred me about 10 times, put me on hold, hung up on me, and refused to take refused to take responsibility, saying the credit reporting companies made an error and they had no idea how it happened as they never reported me as making late payments. 

Transunion eventually ruled in my favor on XXXX XXXX, XXXX. However, they immediately added it back onto my account, so every month my score drops 60 or more points ( see attached document ). I have had to submit a dispute and wait two weeks for my score to be fixed. This is extremely stressful and traumatizing as I am young and establishing my credit to provide for my family. 

It is not legally right that 50 % of the year, my credit score is inaccurate.I have called XXXX XXXX XXXX and Transunion each time it happens. I go through the process of being transferred multiple times, being put on hold, hung up on, only to have each company blame the other and say I need to take it up with them. 

I have decided I believe XXXX XXXX XXXX that they are not reporting a false payment as my XXXX credit score has not been inaccurate since that first false report in XXXX. I believe this is a scam by Transunion to force me into buying their services. Each time I have called and spoken to someone who barely speaks a word of English, they insist I need to buy their product in order to have an accurate credit score. What happened to an accurate credit score being my right as a consumer and person? Why do I need to pay you to fix your mistake Transunion? I will fight this on behalf of other consumers.

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 2018-10-17
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
On XX/XX/XXXX I paid my mortgage of XXXX through my bank. Freedom Mortgage reported it late on XX/XX/XXXX. My mortgage would of been late XX/XX/XXXX however they received my payment before then. They stated they couldnt help me and I would have to contact the Credit bureau. Freedom mortgage also stated they tried to call me to notify me of what they were doing. However they had the wrong number on file. I have never been late on a payment, ever.

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 2020-12-02
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
PNC Bank advised me on XX/XX/2020 that they suspected {$2500.00} had been withdrawn from my checking account in Maryland by a man using false ID on XX/XX/2020. I live in Florida and confirmed their suspicions were correct. I have been unable to have these stolen funds returned to me even though PNC has confirmed the identify of the thief to not be me via the false ID used. PNC now said it can take 30 days, contradicting your website which indicates 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-09-30
Company: Experian Information Solutions 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 am a victim of XXXX XXXX and sent all required documentation Per 605c, notarized to XXXX, Experian, and XXXX. 
The adverse information has not been blocked as requested. 
XXXX sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX victims request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.

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 2023-05-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for the American Express XXXX card because of all the advertised benefits that are included. However, there are specific terms to each benefit that must be met to even qualify. For example, Amex offers a {$50.00} credit on Sale Fifth purchase only if you enroll in the benefit and if you make a purchase with the Amex card. However, you do not qualify for the credit if you make the purchase with your Amex card using XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Over the course of the last year Capital One has repeatedly committed malicious fraud against me. They were even forced to close a bank branch permanently for participating. Their apparent habit is to ignore and attack their victims like some XX/XX/XXXX XX/XX/XXXX. I have waited for so long it's insane. I am owed incalculable damages and actual losses from my account ( shown in other complaints ) I want them to stop abusing me a d pay up now.

Company response to consumer: Closed with explanation