BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
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:
I am submitting this complaint as a formal request for investigation for fraudulent information that was found on my credit report. I am very concerned with TransUnion 's reporting. I want my financial freedom back and it is my right to have TransUnion 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 2. XXXX XXXX XXXX. Date : XX/XX/2020. 
3. XXXX XXXX XXXX. Date : XX/XX/2020. 
4. XXXX XXXX XXXX XXXX. Date : XX/XX/2020. 5. XXXXXXXX XXXX Date : XX/XX/2020. 6. XXXX, XXXX XXXX XXXX. Date : XX/XX/2020. 7. XXXX XXXX. Date : XX/XX/2020. 
8. XXXX XXXX XXXX. Date : XX/XX/2020. 
9. XXXX XXXX XXXX. Date : XX/XX/2020. 10. XXXX. Date : XX/XX/2020. 

I thank you for your help.

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 2021-10-19
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My name is XXXX XXXX and I have an issue with LJ Ross Associates, XXXX collecting, buying, and selling my private information. They have been placed on my consumer report which lets me know that they have bought AND obtained my personal and private information without my written consent pursuant to 15 USC 1692c ( b ). No consent is identity theft which is in fact punishable by law pursuant to 18 USC 1028A. This also falls under extortion. Title 18 section 891 ( 6 ) of the United States Code clearly states that " An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person. '' Obviously my CREDIT card, which is my social security card pursuant to 15 USC 1602 ( l ), was used and shared in this process. An extortionate means is ANY means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, REPUTATION, or property of any person. If I am not mistaken, my consumer report is apart of my reputation. So LJ Ross Associates are taking and using my private information and I did not authorize anything! Pursuant to 18 USC 1028, ANYONE who possesses, transfers, traffics, uses, or produces, without LAWFUL authority, any identification document shall be punished. Federal law also states that whoever knowingly participates in ANY way in the use of ANY extortionate means shall be fined and/or imprisoned not more than 20 years. These are public federal laws and there is no excuse for any debt collector to not know and understand them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank account has been placed on old for alleged fraud. 
I tried to pay for my phone bill on the XX/XX/XXXX and my card was not going through. My initial thought was because I was low on money and I could not check my account balance through the citi bank app. Therefore, I called and asked why I could not access my information or why my card was not working ; and I was told, that my account was placed on hold for a fraudulent check that I deposited back in XX/XX/2019. 
Recently, someone re-deposited that same check though XXXX XXXX. I only bank with citi bank and have the documents necessary to prove this.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2018-07-20
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2018, I sought to establish a utility service with XXXX XXXX. We couldn't complete the initial screen because there is a block on my credit file with Equifax. I called Equifax, spoke with an agent who identified himself as XXXX he asked if I had a credit card and who was the lender. I told him. Then he asked did I have any past credit card accounts. I asked him to explain his meaning for " past '', and he just said past accounts. I told him that the only account I no longer have was through XXXX XXXX. He then said my answers were incorrect, and he couldn't go any further until I verify any past accounts. I asked to speak to his supervisor and was denied. I asked him three times after this and was still denied. I then asked him what the process is to place a block on a file. He answered that he couldn't give that info until he verify my identity. After this I reiterated that I need the block off of my file, and I need to know how the block was put on my file. The agent refused to answer my concerns and he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: MD
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:
Experian and XXXX have a police report on file stating the XXXX account on my credit report was opened fraudulently. This account had been previously deleted already but is now reporting again.

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 2017-11-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My complaint is with Equifax, I received my credit report and noticed some inaccurate information, I immediately called them to have it removed, the rep was rude and incapable of helping me. I wanted to get inquires off and some accounts I was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in XX/XX/XXXX I paid Citi bank {$1400.00} on a credit card account which had a credit limit of {$3000.00} within days of receiving the payment they cut my credit limit by {$1300.00} saying XXXX credit report had bad information on it. I contacted XXXX and sent in disputes on the report. 
This month XX/XX/XXXX i paid Citi a payment of {$250.00} and they again have cut my credit limit saying XXXX has a bad credit report on me. In XX/XX/XXXX maybe XX/XX/XXXX Citi denied me a credit card with Home Depot saying XXXX had bad reports on my report using that information i filed disputes with XXXX. In XX/XX/XXXX my wife of 32 years left me and then filed a divorce in the state of Michigan which was final in XXXX of XXXX. This is why the bad marks have appeared on my credit reports. 
I have never missed or been late with any payments with Citi bank and i am proud to think that i have done so. Citi needs to revisit things Thank 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 explanation
Consumer complaint received 2022-02-02
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Honda Financial and other car manufacturers have put pressure on financing companies to restrict options at the end of the lease XXXX XXXX XXXX 

This is a monopolistic restriction, allowing the car companies to strong arm their financial partners into preventing sales to other car manufacturers ( XXXX ) or used car dealerships ( XXXX ). 

I have a used XXXX XXXX XXXX that is ending it's lease in XXXX of XXXX. Due to lower driving through the pandemic, the car has gained a lot of positive equity over the last two years. Unfortunately, the only way I am able to see the equity I have earned, is by purchasing another lease from XXXX. 

On XX/XX/XXXX, I went to XXXX for an estimate in equity for my vehicle. XXXX informed me of their policy and was unable to even provide an estimate for my vehicle due to this restriction. This makes buyers less informed on residual value, as well as a monopolistic restriction. 

After purchasing a new XXXX lease, I was informed on XX/XX/XXXX that XXXX was unable to handle the trade in of the car due to the same financial restrictions. 

In both of these scenarios, the companies informed me that I could purchase my vehicle directly from Honda, but that the process would take over a month, and that a clean title was required to proceed in either scenario. 

These restrictions have only driven up car prices during a pandemic, leading to higher inflation and an impact to everyday Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Tradeline : XXXX XXXX Bank Experian properly addressed my concerns and corrected this account 's historical information when completing the previous dispute process ( CFPB Complaint # XXXX ). However, in correcting the historical information, as requested, Experian changed the payment status of the account from the correct status of 'PAID, WAS A CHARGE OFF ' to " DEROGATORY / CHARGE-OFF ''. This new status is misleading as there is now no indication on my credit report that the account has been paid in full. 

Please either return the payment status to 'PAID, WAS A CHARGE OFF ' or otherwise notate the account as PAID. 

Thank you. 

Please note : I was unable to open a new dispute for this account via Experian 's online portal because it had recently been disputed ( though for a different reason ).

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 2017-12-28
Company: Ad Astra Recovery Services 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: Problem with personal statement of dispute

Complaint:
on XX/XX/XXXX I mailed a certified dispute letter to Ad Astra Rec., on XX/XX/XXXX the received the letter, XX/XX/XXXX they sent me a copy of the original loan agreement. On XX/XX/XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: PA
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:
RE : UNAUTHORIZED INQUIRIES To Whom It May Concern : I reviewed a copy of my credit report noticed some unauthrized inquiries, which is why I have a personal statement on my credit that says to contact me prior to allowing a company to run my credit. 

Listed below are the company names, and dates of the unauthorized inquiries. 

XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022 XXXX dated, XX/XX/2022 XXXX XXXX dated, XX/XX/2022 XXXX dated XXXX XX/XX/2022 According to he Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of consumer reports, it says that a consumer must authorized the transactions and these transaction weren't authorized by me, which is the consumer. This is violation of my rights to privacy. 

I am requesting for this unauthorized inquiry to be removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions 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:
XXXX XXXX is still Reporting monthly that Im late on my loan payment. My loan payment ended 2 years ago and they are still reporting balanced owed. Have asked for verification and nothing has been sent. Have requested it to removed off my credit report and they update balance by XXXX to keep it on my credit.

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 2018-01-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.

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 2021-10-19
Company: Kinum, Inc., Indianapolis, IN Branch
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call from kinum. Requested that my phone number be removed and representative kept talking over me and ignoring my tcpa request to remove my number. After advising the rep that it is a violation to not remove my phone number he advised that the tcpa act doesnt exist and to educate him on what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
on XXXX XXXX an account was reported on my credit which is believe is completly incorrect and needs to be removed. I was been difficult for me to obtain a place to live due to this account and I need it removed on XXXX XXXX a account was reported negatively to my credit which have made it hard for me to obtain new credit. Due to Covid-19 I was unable to settle the account and I believe this is unfair and should be resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: United Collection Bureau, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
2-3 times weekly calls from XXXX and XXXX re : debt collection that was not correct. Company calls with robocalls and live body calls. Not specific with messages left.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had an exceptional credit rating for the past XXXX years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than XXXX spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time XXXX XXXX XXXX XXXX XXXX  situation for {$200.00} had Transunion XXXX my XXXX credit score ( once again I have had an exceptional credit rating for XXXX years ) down to XXXX ..... I am outraged by this and all of my attempts to contact any one a Transunion have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after XXXX + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on XXXX XXXX, XXXX from Transunion and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.

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 2020-04-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of the CARES Act, I have contacted my loan servicer, Mr. Cooper, about deferment for 3 or 6 months of my VA loan. I am unemployed and my wife 's income alone can not pay the mortgage for now until I am able to get a job. Mr. Cooper is only allowing forbearance and they are informing customers via their website that will not extend the mortgage the amount of missed payments but will seek full payment of the amount in forbearance. I also called and confirmed this with their customer service. This is not, as I understand, the spirit of the CARES act. Our credit is impeccable and have never missed a payment or been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Tri-State Adjustments, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Found Tri state adjustment inc located in XXXX XXXX XXXX  reporting on my credit report. I reached out to the company to provide a statement and copies of HIPPA form I signed. I was in question because I paid this dental bill from XXXX  off before I moved to XXXX XX/XX/XXXX. I did not move back to XXXX  until XX/XX/XXXX, but the service dates can not be correct on the statement. I requested a copy of any documentation I signed HIPPA a billing form for insurance anything. What I did get in the mail was my information, my families, dental insurance information, procedures and procedures codes. I never signed for XXXX XXXX to release mine or my childrens medical information and proof has not been provided. Also insurance was billed on dates. What is owed is XXXX for services provided for my husband on XX/XX/XXXX while he was still living in the state. XXXX did not fully investigate.

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