BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2019-09-28
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-25
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: Account information incorrect

Complaint:
XXXX XXXX XXXX has continued to report false late payments on my credit history. The vehicle was returned to XXXX XXXX in XXXX of 2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for XXXX XXXX to close the account. 

The last late payment shown should have been in XXXX of 2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that XXXX XXXX is claiming to be in my possession they have. Also, XXXX XXXX has failed to follow Georgia law and properly notify me of the sale of the vehicle. XXXX XXXX took possession of said vehicle in XXXX of 2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XXXX. This is inaccurate. The payment in XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CITIBANK, N.A.
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:
Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. 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 2019-09-28
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
ok heres the situation ... i have two cashapps due to the reason my friend couldnt send money to me from my account in XXXX which was extremely weird cause he used to always send me payments after payments then out of nowhere he cant send me.smh soooo i created another cashapp account under the email XXXX i told him to send me the money to the new account i created. which is XXXX he sent it and i confirmed it. then when i went to go send that payment to my husbands account due to me not having a card yet it told me i cant send payment i then received a email stating that my account is being closed why is that?? It was a brand new account no need to close it. i need my account XXXX to stay open due to me having a postive balance of money on the account that i need. Please help me thank you. i cant get ahold of my funds. My cash app name is XXXX XXXX i did my search on what it could possibly be and i have seen aloottt of forums with cash app or square stealing information and money from peoples account this is not right at all and i have my bank information linked to cash app uggggh. Please lets bring Justice to all thats going on and help avoid the problems from anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good evening, I hope you can help me. I am respectfully requesting your assistance to help me resolve this collection matter with XXXX XXXX. I attempted to resolve my billing issue with XXXX by making a payment over {$1000.00} yet they still turned me over to a collection agency. I received a collection notice from XXXX XXXX XXXX on XX/XX/2018, showing a balance owed of {$3000.00}. I made payment arrangements to try and pay this balance off. In XX/XX/2018, I made a payment to XXXX XXXX in the amount of {$1300.00}. However, XXXX XXXX still reported my account to the three major credit bureaus, even though I had made arrangements and paid a substantial amount in good faith. They also violated the 180 day law by reporting my medical bill balance to the three credit bureaus and now it is on my credit report. This has damaged and ruin my credit when I have made every effort to get this bill paid with XXXX XXXX. I am a young college student, still living at home with a limited income and this is causing me continual distress. Because I made arrangements and have made a substantial payment towards this bill in good faith to take care of this debt, I would like them to remove this negative information from the credit bureaus immediately. In addition, they did not wait 180 days before reporting to credit bureaus. I am hoping that you can assist me with this matter as I would like to resolve this with XXXX XXXX in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Talbot, Adams, & Moore, 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 information incorrect

Complaint:
THIS COMPANY XXXX XXXX XXXX. IS A FRAUD AND XXXX   KNOWS IT. I HAVE REASONS TO BELIEVE ALL OTHER BUREAU HAS REMOVED THIS FRAUDULENT REPORT FROM MY CREDIT REPORT. WHY HASN'T XXXX. XXXX CREDIT REPORTING HAS NOT PROTECT MY CREDIT FILE BY ALLOWING INFORMATION TO BE HACKED WITH NO COMPENSATION OFFERED. I HAVE ASKED THIS COMPANY TO PROVIDE ME WITH A DETAIL LIST OF ITEMS I PURCHASED ALONG WITH MY SIGNATURE THAT REFLECTS I HAVE DID BUSINESS WITH THEM IN THE PAST. THE AMOUNT STATED I OWE IS {$320.00} FROM WHAT YEAR AND WHAT ORGANIZATION? XXXX XXXX XXXX, {$450.00} XXXX XXXX {$170.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a victim of identity theft and i desired to have my information updated in order to prevent theft by mail, or digital fraud against me by old information obtained unlawfully. 

The addresses below needs to be removed and purged from the systems of experian address 1 XXXX XXXX XXXX XXXX, Ohio XXXX reported XX/XX/19 Entry unknown never had a contract for service, I never lived here or received mail here. 

address 2 XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived here within the past 14 years and it is still reporting. The pre-approved offers were denied due to digital forgery of others who tried to pretend that they was me but did not have the code to unfreeze the credit reports. Police was notified noted and still is under investigations for the individuals by detectives.

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 2020-07-17
Company: EQUIFAX, INC.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Mr Cooper last XXXX. 

The mortgage is in a condo with an HOA. The condo has flood insurance through the HOA which we collectively pay for. 

Mr Cooper has forced me to buy flood insurance even though I have had phone calls in XXXX, XXXX, XXXX, XXXX AND XXXX explaining the situation. That I already have and pay for flood insurance through my building XXXX. 

On the phone, we notified them and submitted proof of flood insurance. They have still forced me to pay an ADDITIONAL {$400.00} / MONTH into my escrow account for insurance I already have. After XXXX XXXX of getting no-where with their phone service department, I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: AssetRecoveryplus
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A false debt collection was reported to the credit bureaus of a debt ( {$1600.00} ) that I have never owed, and am unaware of! It states this debt was opened in XX/XX/XXXX, and closed in XX/XX/XXXX. This is completely false and fraudulent! 


Creditor Information ASSET RECOVERY PLUS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX It states the original creditor was XXXX XXXX XXXX. I am furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2021-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
RE : Complaint # : XXXX As of XXXX XX/XX/XXXX Bank of America has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX  credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. Bank of America reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that Bank of America officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to Bank of America and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by Bank of America regarding payments made to the bank between XX/XX/XXXX and 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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Letter dated XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding Personal, Secured Loan from XXXX that was Paid, Closed, NEVER LATE- the 3 Agencies had Reported incorrectly with showing Late Payment. 
Submitted the Letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX to all 3 Credit Reporting Agencies and ONLY XXXX  corrected the information to report properly ... TransUnion and XXXX  now have Reported as 2 Late Payments, and showing as NEGATIVE Account ... 
Both TransUnion and XXXX  make obtaining Report OnLine impossible. 
TransUnion asks what County I lived in 23 Years ago- yet can't report correctly information from a letter sent to them 6 months ago. And XXXX  was breached, and I have no assurances that they should have my personal information- but they could at least update the Correct Information when provided to them- and it should NOT take over 6 Months.

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 2018-07-18
Company: EQUIFAX, INC.
State: OH
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:
This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 4XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, KY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company LVNV FUNDING LLC PURCHASED AN ACCOUNT FROM XXXX XXXXXXXX NOW THEY ARE CONSTANTLY SENDING LETTERS DEMANDING PAYMENT. i DO NOT HAVE A CONTRACT NOR DO LVNV HAVE A SIGNATURE FROM ME INDICATING ANY AGREEMENTS. I SENT LETTERS MONTHS AGO REQUESTING VERIFICATION OF THE DEBT THEY SAID I OWED THEM ALL I RECEIVED WAS A CREDIT CARD STATEMENT FROM XXXX XXXX I HAVE YET TO RECEIVE ANY VERIFICATION THAT I OWE LVNV LLC. I ALSO SENT CERTIFIED LETTERS TO ALL CREDIT BUREAUS THE COLLECTION WAS REMOVED AND PLACED BACK A MONTH LATER AND THE BALANCE IS STEADY INCREASING MAKING MY CREDIT SCORE DECREASE. I DO NOT OWE LVNV FUNDING AND I WANT THIS COLLECTION OFF MY REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent in letters to you all bureaus on XX/XX/2023 and I havent heard anything back and its been over 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/2019 I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: CHECK INTO CASH INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I got a payday loan from Check Into Cash over 5 years or more. I stop paying on it. Ive asked them to send me something in writing because I dont know how much I owe since its been so long. Im getting phone calls with threats about summoning me and taking legal actions against me. I think this is violating the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank offered a {$500.00} bonus for qualifying account and activities. Upon completing all qualifying activities, Citibank did not pay me bonus. Have emailed and called numerous times. They say they are working on it. I was assured by banking representative, XXXX XXXX, that I did qualify and I would get paid. I still have yet to see the bonus cash. I believe I was mislead/tricked into opening an account. They advertise for bonus, tell me I qualified for bonus, yet refuse to pay me. Very deceitful company. They should not be able to advertise bonuses to trick people into opening a accounts. Should be down right illegal.

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