BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX   XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date :XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : 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 explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXX XXXX that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
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: Their investigation did not fix an error on your report

Complaint:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX XXXX XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Public record information inaccurate

Complaint:
Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at Transunion, and XXXX. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of Transunion, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

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 2018-05-10
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX and XXXX of XXXX, XXXX XXXX XXXX reported one account ( loan  account ending in XXXX ) as a bad discharged debt and another as delinquent to all three credit bureaus. ( see attached ) This information is inaccurate. In XX/XX/XXXX XXXX XXXX XXXX  XXXX removed me from the account that they later reported as a " bad debt ''. They also reported me as delinquent on a credit card account ( XXXX ) that is linked to my XXXX  XXXX XXXX checking account for automatic payments. The checking account has always had sufficient funds and there never should have been a late payment.

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS 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 2019-08-30
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is cherging me {$300.00} for a XXXX phone bill i never had in XX/XX/XXXX. I have been using XXXX XXXX since XX/XX/XXXX and they are claiming i have an unpaid account from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being 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 2021-06-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the Equifax breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00}, {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00} {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL FEDLOAN SERVICING XXXX {$570.00} XXXX {$4100.00} XXXX {$1500.00} XXXX {$1600.00} XXXX {$2300.00} XXXX {$9500.00} XXXX {$1200.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL SAME ISSUE WITH BOTH LOAN COMPANIES THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: The CMI Group, Inc.
State: LA
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:
Adding inaccurate debt to my credit report. Not checking if it is my debt. bills must be going to one of the inaccurate address recently added to my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I mailed a payment of {$110.00}, check number XXXX, dated XX/XX/2020 for my payment due on the same day. 

The check was lost in the mail, as I mailed it to an old address, and was not notified by the company, Atlas Credit, that they had moved to a new address. 

I informed the worker at Atlas Credit that I would come into the store and make the payment in person. 

So I drove to the old location, only to notice that there is a new location when I got there. I called the store, and at this point the worker gives me the new address. 

I make the payment due XX/XX/2020 with replacement check number XXXX in the amount of {$110.00}, dated XX/XX/2020. 

I had another regularly scheduled payment due on XX/XX/2020. On or about XX/XX/2020 a worker from the store calls and informs me that I have a payment due and asks when I would be making it. 

I replied, I dont know. The response was not sufficient to the worker and they told me they would call everyday until I made the payment. 

For the next two plus weeks, I got a call every business day from the store ( as identified on my caller id ). Each time I did not answer the call. 

On XX/XX/2020, I mailed check number XXXX in the amount of {$110.00} for the payment due XX/XX/2020. 

On or about XX/XX/2020 the collection phone calls from the store ceased. My presumption is that they received the check payment. 

On XX/XX/2020 I called the store to ask whether they had received the check mailed on XX/XX/2020 and to get the loan payoff amount. 

The store worker advised me, much to my chagrin, that they had not received the payment. 

Very odd, to say the least, considering the store worker had previously harassed me on a daily basis ( prior to me mailing the check ), as she pretty much said she would. 

I personally feel that, based on the circumstances, the check mailed XX/XX/2020 was not lost in the mail, but rather it was received by the store and PURPOSELY being held and not applied to my account, so as to negatively affect the credit reporting. 

Rather than take a chance on the negative credit reporting, I decided to personally deliver a cash payment of {$250.00} and some odd cents to the store to pay off the loan. 

In summation, this company is engaging in unfair, scrupulous and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Riverwalk Financial Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I mailed Deville Asset Management Ltd. a letter, along with documents, to verify an alleged collection for {$8800.00} or delete it and discontinue reporting to the bureaus if they couldn't verify the debt. I received a return receipt stating that they received the documents on XX/XX/2020 and have yet to receive a response from them to this day. Verification or removal was also requested due to the company 's CEO being imprisoned for multiple charges in which making fraudulent accounts was one of many. I really need this to be deleted/removed as this is the only thing keeping me and my XXXX kids, ages XXXX and XXXX, from moving forward in my homeownership program so that we can move out of my parents overcrowded home. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our Mortgage holder, Mr. Cooper ( Nationstar ) withdrew funds, without consent, between XXXX XXXX-XXXX XXXX XXXX. The amount of each withdrawal is {$1300.00} totaling {$2700.00}. Our bank account ( held with XXXX ) is now overdrawn and will likely incur overdraft fees which is {$35.00} a charge. We have bills to pay and now we can't make and payments or purchases without being declined or charged a fee. 

Our account is NOT set up for automatic payments. We schedule our mortgage payments or submit a payment. 

I have called " Mr. Cooper '' four times on XXXX, requested call backs twice, and submitted two " tickets '' through their website and attempted to communicate via their " live chat '' which is saying " it is not working at this time ''. All of this is documented. Mr. Cooper has not answered calls, messages, or returned my call at the suggestion of the automated phone bot. 

There are others posting on Mr. Coopers social media sites that are experiencing this issue, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: IL
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 requested numerous method of verifications and advised I have no contract with an account called XXXX XXXX. Equifax removed it off my credit and then added it back a few days later. They still have not sent me the information I have requested. All they ever say account is verified. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit report. If they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of the letter then they must remove these accounts from my credit report. This is about my 4th complaint with you all and now I have went to the attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Good morning, I'm filing this dispute against Transunion and XXXX  based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX XXXX  is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so

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 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One charged the contractual annual membership fee on my XXXX credit card account on XX/XX/XXXX. I called their customer service the following week asking for options to reduce or waive that fee, since i do not use this credit card as my main card anymore but do like having it in my wallet for convenience. The only option they gave me was to close the account within 40 days after posting of that fee. Then I asked them to convert the credit card to one of their no-membership fee cards, but the agent said that even then the fee would stay as charged although the agent also confirmed that the annual membership fee that was charged in XX/XX/XXXX is for the next 12 months ( i.e. XX/XX/XXXX through XX/XX/XXXX ). 

I decided not to close the account, because the card has a much lower APR point then a new credit card that i would open today. Subsequently, I asked Capital One to convert this account to their XXXX credit card, which doesn't have a fee, and doesn't have the features as the XXXX card which warrant the fee. However, the {$95.00} fee i paid on XXXX to Capital One stayed with them, and i will not get any of the advertised benefits of the membership fee for the next 12 months for which they made me pay for. 

For reference i had this credit card since XXXX have never once been delinquent and have excellent credit in general.

Company response to consumer: Closed with explanation