BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX This account with XXXX XXXX has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and XXXX is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent accounts. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.

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 2022-08-09
Company: Lendmark Financial Services
State: NC
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:
n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I HAVE TWO OPEN WITH XXXX XXXX XXXX, XXXX NO.XXXX AND HSN NO.XXXX NOW SHOULD BE OPEN, PAYING AS AGREDD, NEVER LATE. BOTH ACCOUNTS WERE PAID IN FULL IN XX/XX/XXXX VIA ACCOUNT ASSURE. I EXCLUDED BOTH ACCOUNTS FROM BANKRUPTCY DISCHARGED XX/XX/XXXX. ALL CREDIT REPORTS SHOULD REFLECT THE SAME. I STILL HAVE BOTH CARDS. 

PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Security National Automotive Acceptance
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in XX/XX/2009 I served United States XXXX XXXX. My duty station was XXXX XXXX. I was a new XXXX XXXX XXXX. A Ex- XXXX who profit off getting Servicemembers to come to XXXX XXXX XXXX XXXX for used vehicles, told me to sign XXXX contract and shortly after I would be able to refinance the 24 % interest loan for much lowere rate. Time went by i was loyal to my $ XXXX/mon payment. 2yrs later car enigne was blown. I was going through a divorce and couldn't make payments on time. Harrasments and threats went on for a year or so of being able to pay when i could. Even after they came on base and took the vehicle, i couldn't talk to anybody about and adjusted payment. So when i finally got my large sum of EAS money i was ready to give them a offer. But was turned down. Over the past year, I have been trying to slowly work on my credit report. And the inquiry reports, funds not receivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed I paid via Bank of America XXXX {$400.00} then {$600.00}. I tried to get my money back but no avail. I have receipts and proof.

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 2020-11-15
Company: EQUIFAX, INC.
State: TN
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/2020 I wrote a letter requesting verification of inaccurate accounts on my credit report. I never received a response. On XX/XX/2020, I sent another letter and still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Freedom Mortgage Company
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My dad XXXX XXXX on XX/XX/XXXX. I made the mortgage payment on XX/XX/XXXX to make sure the account was kept current and at that time requested an email letting me know what would be needed for me to be able to sell the house. 

I have emailed and called in an attempt to receive the needed paperwork to sell his house twice a week for this entire month. They have refused to send me the necessary paperwork so I can sell the house. Several times they have even refused to let me speak to a manager. I have email confirmations and all the of the times called. 

Every single call I have had to explain that my dad XXXX XXXX   and no one has given even the most basic of information. 

This is completely inappropriate and financially devastating to my family.

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 2018-08-08
Company: Bread Financial Holdings, Inc.
State: MN
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:
To Whom it may concern, I have reported to the credit union about having XXXX XXXX XXXX on my credit report I have know Idea who this person is my ID check was stolen by this person was reported in XXXX MN in maybe XXXX some where are that year it has been a long time. Please remove. I also notice under Soft Inquiries there are a list of XXXX XXXX  on my credit report I have not request for any credit from any one these company I never called them or filled out any paper work not sure how they got my name I really appreciate if all of wrong information be removed ASAP. Only thing since my Bankruptcy should be on my credit report is XXXX which is the only credit card I have which I just required in XX/XX/XXXX. I have not request any other credit card you have XXXXXXXX XXXX as and error please remove. I am trying to keep my credit on the right track. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
There is a lost of income since XX/XX/2017 ; I communicated this to ocwens as well submitted filed separation agreement. Every single reply from Ocwen is a denial letter with the same wording. 
I ask several time for a note of transferred lender from XXXX to XXXX XXXXXXXX, the sent me documents that has nothing to do with the document requested. 
Requested to verify who is the mortgage lender of my house-no document. 
Let Ocwen know of the intention and XXXX to keep my house, but they keep sending me a balance to restore my mortgage ( right now XXXX which includes legal fees ). I am willing to work something to keep my house. 
I has ask for them to reply my email or to call me- there is no reply. 

I am in a really great need of any help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
IC systems of XXXX minnesota violated FCRA by placing an item on my credit report without my knowledge. i DO NOT owe this money. They violated FCRA did not notify me of this alleged debt in writing or verbally and I DEMAND IT BE REMOVED IMMEDIATELY! I DO NOT OWE this amount and I AM NOT responsible for it. IC systems violated the law and needs to be investigated. This item is FALSE and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX and experian reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such

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 2021-06-08
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: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show mulitple account open on report due to fraud. I completed FTC report and have forwaded report to credit bureaus and have not as of yet receive any updated information on my credit status due to investagation attempts. I have also sent FTC report and identification information my certified mail and show recieved and still no updates. Please review attachment document and remove information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under 1st Financial Investment Fund. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was still on my credit profile and did not reflect a disputed status. Therefore on XX/XX/2018 I sent a direct dispute to XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-08-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX XXXX financed by GE Capital in the past. Because financial hardships the account become delinquent and finally was a charged off. On XX/XX/2015 the account was sold to a collection agency named XXXX XXXX and was reported on my credit. The original amount of the debt was {$800.00}. The acocunt was settled for less than the full balance for the amount of {$480.00} with the mentioned collection agency. I was supposed to not have any other financial obligation with the collection agency or original creditor anymore and they agreed to remove the collection account from my credit and they did so. Payment was made on XX/XX/2015. Apparently, GE Capital sold or transferred the XXXX XXXX XXXX  customers to Synchrony Bank but it seems that XXXX XXXX XXXX also transferred an invalid, false and erroneous debt because was paid and settled previously. This is causing me financial and emotional distress because I am tired of calling Synchrony Bank and provided the proof of payment the company always validated that there's no debt and they have no idea why still showing a balance on my credit report. I called the Credit Bureaus and they indicated it is Synchrony Bank responsibility because every time the acocunt has been disputed they respond that the account is accurate, and the balance is real. The negative impact that this agency is causing me is immeasurable. The reporting of false information on my credit is preventing me of continue on with my financial health and for years already has been hurting my score on purpose and under my understanding is prohibited under the Fair Credit Reporting Act to report false and inaccurate information on any consumer 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 2021-01-21
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:
Received a response from Transunion on XX/XX/XXXX, in response to a dispute about credit report. Specifically, account XXXX XXXX XXXX, Account Number : XXXX. This account does not show payment history from XX/XX/XXXX through XX/XX/XXXX. Transunion has a sent me a status of verified but my payment history doesn't show. 

By law under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) FCRA 611 ( 15 U.S.C. 1681I ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Transunion has denied my legal right to request how Transunion verified the accuracy of this account.

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 2018-10-19
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am frustrated Ad Astra Recovery Services because they continuously to report inaccurate information to the credit bureaus. I also have been disputing this inaccurate information for well over a year now and Ad Astra Recovery Services fail to delete this incorrect account from my credit report. Ad Astra Recovery Services also did not report this account to the credit bureaus as a disputed account, and that is a FDCPA violation and thats in FDCPA section 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: WI
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'm am recent Victim of three online scams containing financial fraud and identity theft. 
I want to place a fraud alert and security and or credit alert and freeze on all three credit files in my name with the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Servatus Corporation
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The following three credit cards were opened illegally in my name : Capital One, XXXX, and XXXX. My XXXX XXXX was stolen from my purse. I'm the victim of Identity Theft by my deceased husband.. The Capital One credit card for {$8100.00} is inaccurate because my dead husband opened the credit card in my name on XX/XX/XXXX, without my knowledge. Also, he opened up a credit card with XXXX in my name, and it was sent to a Collection Agency, XXXX XXXX XXXX, and has a balance of {$5300.00}. Also, he opened up a credit card with XXXX on XX/XX/XXXX, and has been charged off with a balance of {$1600.00}. I did open up my XXXX 's card, but I was unaware that he stole it from my pocketbook and maxed it out to {$8000.00}. I became aware of the Identity Theft on Friday, XX/XX/XXXX, when I went to the XXXX looking to ask for a better interest rate on a personal loan. I then became aware that I was a victim of Identity Theft. My husband passed away on XX/XX/XXXX, and I have since learned that he also maxed out my mother-in-law 's credit card and took over $ XXXX from her as well. I am requesting that these items be removed to correct the information. 
I contacted a lawyer on Monday, XX/XX/XXXX and was advised to file a police report the very next day. On Tuesday, XX/XX/XXXX, I filed a police report of identity theft. I sent certified letters to each credit card company and credit bureau on Thursday, XX/XX/XXXX. I received a letter in the mail from Capital One on XX/XX/XXXX explaining how no sign of fraud was found. I then spent an hour and half on the phone yesterday ( XX/XX/XXXX ) with Capital One explaining how the credit card was opened up in my name with my information without my consent by my deceased husband and they refused to remove the debt even though I was not aware of the card and had never seen the card. Also, XXXX XXXX XXXX XXXX removed a credit card from my account from XXXX, but didn't remove the charges from where my deceased husband stole my credit card from my purse and my purchases without my consent. I received a letter on XX/XX/XXXX, explaining their was no fraud found because I benefited from the purchases. How can I benefit from a purchase that I'm not aware of? The other two credit cards he opened in my name without my consent have already been removed from my credit reports, but XXXX 's and Capital One only want to charge them off, which is hurting my credit score and my ability to borrow in the future. My deceased husband left my kids in a horrible position. He cashed out his retirement without me every knowing he had one and then to find out he opened credit cards in my name and stole another one and charged it up is absolutely heart breaking, but to know credit card companies will not work with you is absolute shame.

Company response to consumer: Closed with non-monetary relief