BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : 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 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 2020-12-01
Company: Experian Information Solutions Inc.
State: MI
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 filed a complaint against Experian Credit Report, because XXXX XXXX and thier lied changing information on my report, dates etc. 
I was deny deletion on XXXX XXXX, and XXXX XXXX change to hire story again! Now Experian is not deleting them off my report after I XXXX XXXX went from closed account to a collection account, to prevent removal. 
I was told and a note of removal was ony report of XX/XX/2020. 
I have proof of this and will enclosed copy. XXXX XXXX can not keep changing status ony credit report! It is illegal to do what there doing..

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 2020-11-10
Company: Upgrade, 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: Account information incorrect

Complaint:
I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, Equifax and XXXX  on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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:
These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have owned the Capital One Platinum Secured Credit Card since XX/XX/2019. I have not received a credit increase or serious consideration for an increase despite my account remaining in good standing. I have been denied several times. The original limit of {$200.00} was deposited by me. I have been charged the same 29.99 % interest rate the entire time. No consideration for difficulty during covid. Was charged and paid any late fees. Company states you are 'considered ' for an increase after 6 months of on time payments. By looking at my account statements I have met this criteria several times but have never been seriously considered for any increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent me a letter on XX/XX/XXXX staying they was going to take me to court for a debt I do not owe. I have never heard of this company until now I also called and filed disputed the debt they was extremely nasty with me and asked me very personal questions I asked for validation letter when I received the papers it looks like they typed up something and just printed it off the address isnt correct at all. These are very nasty people and they will not help you or explain anything to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been contacting and attempting to contact Dovenmuehle Mortgage since XX/XX/2020. My hazard insurance with XXXX XXXX XXXX expired XX/XX/2020 due to nonpayment. I have my insurance premium escrowed so I have paid for my insurance over the last year. As soon as I became aware that Dovenmuehle had not paid, I began contacting both XXXX and Dovenmuehle. XXXX is aware of the situation and has been in contact with Dovenmuehle as well. I have uploaded insurance documents to the Dovenmuehle website ( ihaveinsurance.com ) many times. I have managed to speak with about 3 people at Dovenmuehle on different occasions over the last two months and have been assured that they would pay my insurance as agreed. I have sent three secured messages asking them to pay my insurance and have received no response. I have until XX/XX/2020 to pay the premium to reinstate my insurance. Today so far, I have been on hold with Dovenmuehle for exactly two hours with no live person answering yet. I have paid all of my payments on time and the insurance premium amount is more than covered by my escrow. If Dovenmuehle does not pay this week, I will to pay my insurance premium twice -- once through escrow and once out of pocket to reinstate. Waiting on hold for two hours to ensure my insurance is paid as agreed and as allocated every month is completely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is showing a 40 point difference in score on my credit report. As of todays date the scores are as follows : XXXX  XXXX ; XXXX  XXXX ; and Experian XXXX. I complained to Experian a couple of weeks ago and the issue has not been resolved. They claimed that the score is based on the XXXX XXXX scoring system. However, XXXX  and XXXX  use the same scoring system. This average 42 point reduction in score radically changes my average credit score and puts it in the XXXX range rather than the XXXX range. This 20 points makes a huge difference when companies are considering my credit worthiness. Ive never seen such a difference in my scores since tracking them for at least two decades. I just want them to adjust my score to the correct number. 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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted the Transunion and XXXX  credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

XXXX BK ID # XXXX BK ID # - XXXX BK ID # - XXXX Transunion- BK Docket ID # XXXX BK Docket ID # - 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 2020-12-01
Company: Unifin Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Since XXXX there is a multiple collection agencies who are ruining my credit report for an unknown company this has to stop! I need help to stop reporting each year false information and I think it comes from XXXX where I filed a complaint with the FTC but never have any answer. XXXX stole XXXX XXXX from me in XXXX and I cancel the contract after paying thousands they owe me more than {$5000.00} since XX/XX/XXXX and the FTC never did anything. If this is them it is illegal to claim money when it is false and it is the reverse! I thought it will stop to report false I formation as I called them but no. They continue to use ( I believe its XXXX XXXX new collection agency to ruin people credit report and its unfair. What can I do? After 5 years of battle to stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
This is " XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX  XXXX XXXX : {$230.00}

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 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following account has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-20
Company: TRIAD FINANCIAL SERVICES, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called to explain what was going on and I had been put in Covid protocol for my company and I needed help. I received a XXXX check I didnt know what to do and I was behind I know Im not trying to avoid you all but I was having a hard time with my kids not being in school having to have to buy computers for school I have XXXX including my self to be able to work from home. I didnt know what to do or where to go so I did. I was told by each person I talk THAT HAS NOTHING TO DO WITH THE ME MAAM. Wheres your husband she said I sai my is sick XXXX XXXX XXXX to his feet. She said WELL HE NEED TO GO GET A JOB CAUSE WE NEED OUR MONEY maam. I said maam he cant Im doing what I can to provide for my family. I was in front of my corporate boss they called my job. Having to get computers and food to keep my kids feed and school. I said I cant maam but what about your anything to help us. Its not my fault your an irresponsible parent and got your priorities mixed up but we need our money! You have five days to get out! My boss made me hang up! That was very embarrassing and degrading Im a supervisor at my job. My bosses offered me and my leave to live with her family. If I could afford to get out I would being racially harassed in place my has been chained egged trashed and more! Ive been XXXX  since this call I need help but cant afford it Please HELP US ANYBODY! Im scared

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Credit Karma, LLC
State: ID
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:
have a hard inquiry made by the Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXXXXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Utah System of Higher Education
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are two accounts for loans reporting on my credit reports from UHEAA which are identity theft and do not belong to me. I am not a student and did not apply for these loans. One loan is for {$3000.00} and the other is for {$1700.00}. These are being reported to my credit report having a negative affect on my credit. I have contacted the company and when I gave them my social security number they said nothing comes up and they do not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/XXXX I approached a Bank of America employee in charge of Merrill Edge services at a local branch office for advice and management of my accounts with BoFA. He reviewed all of my accounts and recommended I take advantage of a Balance Transfer offer from BoFA to move one of my XXXX Personal Loans over to BoFA credit card. The balance transfer offer was zero percent on {$9700.00} from then until XX/XX/XXXX. After that the rate would increase to 16.49 %. He promised that the monthly payment would only be {$25.00} per month and that I could use the difference in payments to pay down another balance I have that is much higher and that I would come out ahead. 

I didn't believe the offer was true. So I asked him to confirm the $ XXXX/month payments. He called the credit card dept and confirmed it was true. So I ordered the balance transfer. 
A few days later we saw it was posted as a cash advance, not a balance transfer, with a higher rate 19.99 % at the end of the zero percent term. And that the term was shortened by one month. Also, about a week later we discovered that the payments were going to be $ XXXX/month, not the $ XXXX/month he had promised and had confirmed. 

I asked them to give me the terms they promised and he said there was nothing he could do about it. The credit card department handled that. And they said no to the request. I went to the assistant manager and he promised to try to fix it and then basically did nothing. In fact, he told me I had signed documents agreeing to the terms I have. 

I have sent 3 emails to them, 2 phone calls, and 4 visits to the branch office. In essence they have promised one thing, delivered another, and then passed the customer service off to some phone number that goes to another place. Those people passed me from one department to another and finally said that we had already used up the special offer code and there was nothing they could do about it.

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for XXXX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion refused to help me with removing these hard inquiries thats not mine.under the FCRA they are supposed to help and make sure it is accurate. These inquiries do not belong to me and is hurting my ability to purchase a home and get funding. I have contacted them numerous times and they refuse to help and keep me on hold for hours each time. They was very hard to under stand and three reps refused to let me speak with a supervisor. The inquiries are listed below. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX

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