BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I am filing a complaint about Transunion XXXX XXXX agency I have attempted to contact them over phone and did not get proper help. I have unknown inquiries on my credit file an its dropping my score drastically. 

Here the list of the inquiries : XXXX BANK XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX ALASKA XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX BANK Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX BANK XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX AUTO Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX BANK XXXX NA Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XXXX. XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX, Not Elsewhere Classified ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; 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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that the accounts on my credit report were incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX 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 corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification for months and the bank never attempted to give me a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Stanislaus Credit Control Services reported {$450.00} on my credit without sending me any communication. I was never informed that this money I have to pay. I did n't even receive verification of debt which I requested. They did n't even inform me, all they did is reported to my credit report. So I called them and requested them its wrong I may dispute it later by I want this off my credit report. So they asked me to fax a letter which I did n't on XX/XX/XXXX but they still did n't fax me any proof. So I am not even sure if I owe this money and if I do I still need complete proof of service. I would like to request why did they report it without informing me. So I like this to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I had an account with American Express in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. American Express bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit & Collection Recovery Services, 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:
This information has been incorrect since XXXX please remove the following credit and collections regional paramedic services amount of {$870.00}. I have filed several reports to have this removed from my account. This is A result of identity Theft and it is still on my account I have filed a complaint with the FTC about this matter 3  times now and I am extremely upset that is still reflecting on my account. Another account XXXX  XXXX  for the amount of {$1200.00} has been reporting his XXXX and needs to be removed immediately and result of fraudulent activity and also identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-09-09
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: Account status incorrect

Complaint:
XXXX collections for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account. Transunion closing dispute without reinvestigation and removing fraudulent 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 non-monetary relief
Consumer complaint received 2022-09-09
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-10-18
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:
No record found of account when company was notified. XXXX has already removed tradeline from 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 explanation
Consumer complaint received 2021-08-04
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Auto loan settlement was paid in full, as agreed. 
30 days later a new bill, under the same acct number was mailed to me. Now stating there is a past due amount. The account has been paid in full, a month early. 

Radius global continues to verify the account is paid in full, yet continues to bill and report to credit bureaus that the account is defaulted and past due. 
On XX/XX/21, spoke to Mrs XXXX ( original contact person ) she stated it is an error and the account is in fact paid. She stated an email would be sent showing no payment is due. 
The company refuses to send me verificattion of a paid account, is reporting to the 3 major credit bureaus and continues to add late fees and unpaid amounts to a closed account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX XXXX acct # 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 2023-09-26
Company: Factor Trust
State: FL
Product: Credit reporting 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 am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX | XXXX - {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXXXXXX | XXXX - {$0.00} XXXX XXXXXXXX XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}

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 explanation
Consumer complaint received 2017-10-18
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro Collect has been sending me multiple letters for a debt that is not mine. I have contacted the company several times ; however, they are stating they can not remove the debt from my credit reports unless I agree to pay or take one of the settlement offers they have made. I have also contacted the original debtor XXXX XXXX and they are stating that they have no information on file and that I would need to contact ProCollect Collection Agency. 

I have been dealing with the company for almost 2 years and they have yet to provide me with any type of validation in regard to the the numerous request that I have made.

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 2019-09-09
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2019 XXXX XXXX my Employee requested the card information for a payment for supplies. At that time I sent information to XXXX XXXX the card information, by error I sent the Card information to both XXXX XXXX and XXXX XXXX due to a prior text within the three of us. I realized I sent the card to XXXX XXXX and I sent a text immediately after I sent the Card info DO NOT USE THIS CARD. XXXX XXXX than stated what card cant receive pic. I have all text correspondence. 

On Monday XX/XX/XXXX I notice multiple unknown, and unauthorized pending transactions in my account. I called customer service at PNC and they stated that it was from XXXX XXXX Mobile. I disputed the cards after the transactions were cleared as instructed my PNC customer service. On XX/XX/XXXX I filed a Police report with the XXXX XXXX police department of fraud on my Card in the follow amounts ; {$1500.00}, {$760.00}, {$1000.00}, {$2000.00} for a total of {$5300.00} against XXXX XXXX. I have made a sworn statement under oath that I did not authorize and of the above transactions. I instructed XXXX XXXX he had no authorization to use my Card with the account end in in XXXX. I have the following text correspondence stating ; XXXX XXXX returned the funds ( but he did not ) XXXX stated that he can not get pictures of my card, That I never authorized payment and that XXXX XXXX authorized charges ( which he did not. ) PNC preformed a very hasty and poor investigation of a large amount and has not advocated and has not protected my company against fraud. I called 10 times to speak to an investigator on this matter and have not spoken to anyone. No documents or police reports were reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
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:
Well I looked at my credit last month and an charge was on it for an apartment I've never been to was on it XXXX XXXX is the name I called the credit company that has the account and told them the name is columbia debt recovery/genesis and I don't see how they didn't see its not me the name of the person 's are different from mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Long & Foster Financial Services, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a nightmare. I am in tears when i wake up cause i know she is going to present me with lies, XXXX  and unfairly lender practice. I am pushed me to XXXX. I dont care about the house anymore, waking it is sad cause I have to deal with the lenders bullying. I dont want to wake up or deal with this anymore. 

Nothing has been done fairly or legally. My lender does not ' talk to me she just drafts what she wants in the loan and we keep on and keep on changing it. not because of me but because she takes it on herself to set the loan up how she want. NO matter how many times I tell her not to. At that point I think she keeps doing this so I will not have a disclosure. and she will keep doing it until closing. I am suppose to close on XXXX and I have no idea what my loan paperwork looks like. I am IN THE XXXX. 

She changes my loan to different types of loans without asking me. On more than once keeps trying to get my to get a larger amount that what I want or need. Today I kept yelling I don't want a bigger loan. She just keeps bullying me. 

She has always told me she was applying for {$20000.00} grant then i say on the form she did {$25000.00}. said she didt know if she would get it or not so she didnt want to tell me. That is XXXX! I have been begging and begging for her to lock my interest rate. been 7 days I still do not see papers showing my rates have ever been locked. I can go on and on.

Company response to consumer: Closed with explanation