BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: AR
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:
On XXXX XXXX, 2017 I spoke with XXXX, Experian, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge

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 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XXXX XXXX, 2017 I spoke with XXXX, XXXX, and Transunion about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge

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 2019-07-21
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of XXXX my car was repossessed due to late payments. They show me 30 days late in the months leading up to the repo. They had a technical glitch that affected thousands of customers. In a press release they promised no customer would be compromised. I'm not sure if the glitch was the problem but here is my concern .... 

In XXXX of XXXX they are reporting to the credit agencies a payment of {$970.00}. After a year of my car being repossessed I've finally managed to figure out with GM Financial customer service that they received a payment of {$480.00}. Because of their error and complications on making payments because of their glitch, my payments showed late when they were supposed to be a month ahead. 

I tried resolving this with them but they said they said I did not have an account with them. I never received all the proper documents when my car was repossessed and only found out when the lot my car was towed to called me to have my personal belongings picked up. 

Finally a year later I'm able to confirm with GM account details. But every call I make to them they send me to different departments to answer my questions. But with no resolution. 

I was given no opportunity to make right on my loan because of their negligence and am seeking help to resolve the matter of their wrongful and unlawful reposession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, SLS ( Specialized Loan Servicing ), continually fails to mail adjustment notices for my ARM mortgage. Since they took over the servicing of my loan, I have not received a single adjustment notice without first calling and demanding that they send 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 2018-01-14
Company: EQUIFAX, 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 status incorrect

Complaint:
My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
1. On XX/XX/XXXX I received a new XXXX card issued by Elan Financial services and immediately upon receipt called the number on the sticker ( XXXX ) to activate the new card. I have the records from my phone company ( XXXX ) confirming that the call was made to that exact number at XXXX on XX/XX/XXXX. 
2. Having dialed the number, I was transferred to a human operator who began by asking questions, allegedly to verify my identity. I ended up providing my credit card details, my name, my address and the phone number to that individual. 
3. This individual then requested that I should agree to a promotional deal whereby I would be paying a fixed amount ( {$24.00} ) for ID protection services and explained that only upon my consent to this deal would he activate my credit card. 
4. After a few minutes, I realized that I had fallen victim to a fraud and recorded a portion of the conversation on a portable tape recorder. This recording is still in my possession. 
5. I requested that all of my personal data be erased from their systems, at which time the call dropped. 
6. Subsequently, I called Elan using the number on the back of my credit card and requested that the card be cancelled and that the new one be issued. 
7. I also filed a security report, which was confirmed by XXXX, employee ID # XXXX. 
8. Following my conversation with Elan, I did some research and found that I was not the first victim of the aforementioned scam and that a similar report had already been filed by another customer in XXXX. See XXXX XXXX XXXXXXXX. 
9. While the exact mechanics of how an outgoing call could have been spoofed are not clear, one option that could explain it is that your call center IP hub was hacked. 
10. Let me emphasize that what happened to me could turn into a wide-scale security breach for Elan and potentially other financial institutions as well. 
11. Sadly, after speaking with Elan employees I got the impression that neither of them fully comprehended the gravity of the problem and its potential implications. 
12. I expect Elan to investigate this incident fully and report the results to the public. Should such action not be taken, I reserve the right to report this incident to the Department of Financial Institutions in my state and/or to the media.

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 2018-01-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
The company has reported 1 single debt in the amount of {$48.00} to all three credit bureaus as a NEW debt collection account under new account numbers on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when in fact there is only 1 single account for a medical debt that actually was paid in full by a financial assistance program. By reporting this single account to the credit bureaus as a new debt multiple times rather than as a single account that is outstanding over a longer period of time, it is causing a greater amount of damage to my credit rating. I have spoken to the three credit bureaus and they have referred me back to XXXX XXXX XXXX, stating that the collection agency has to be the group that fixes this mistake. XXXX however refuses to fix this matter and refers me back to teh credit bureaus.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-07-21
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: Was not notified of investigation status or results

Complaint:
I reached out to the credit bureaus multiple times to provide me with the proper documentation to verify that the XXXX XXXX  XXXX account # XXXX opened XX/XX/2014 is in fact mine. The credit bureaus were unable to provide any verification that this account is mine. 

Also I'm not sure how XXXX XXXX XXXX Account # XXXX opened XX/XX/2014 is reporting that I owe {$31000.00} on this vehicle. How is this XXXX XXXX have this value after 5 years? Is this car plated in gold that I did not know about. 

Neither one of these account have also been verified by FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) so not sure how they are on my credit 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 explanation
Consumer complaint received 2018-01-14
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold an item thru XXXX that XXXX delivered to the wrong address. I tried to re-route the item to the buyer, but XXXX indicated my item was ineligible for that. I have maintained contact with the buyer the entire time. I explained to the buyer that once I received the item back, I would have it sent to them once again. They are fine with that. 

That said, the buyer ( for their protection and to document the issue ) filed a claim thru XXXX, which I understand. Since I am in contact with the buyer, and the buyer is in agreement with me, XXXX has not issued final resolution because they see that I am working with the buyer on it and have a perfect record with XXXX, but PayPal has decided to withdraw the funds from the account forcing a negative balance, as if the final resolution had been issued. 

Now, the issue this is causing, is I am now unable to use my PayPal account, because they are forcing me to pay the negative amount, as opposed to waiting for the final resolution from XXXX. I would have no issues paying the funds back if that were the case, but in this case, I have a serious issue with them playing judge, jury and executioner on an unresolved case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
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: Account information incorrect

Complaint:
XXXX, XXXX, and Transunion has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine

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 2019-07-22
Company: CITIBANK, N.A.
State: NV
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 rewards from credit card

Complaint:
I had a Rewards Cash check canceled. It was never cashed. A check in the sum of {$550.00} was to be reinsured as a check and mailed to my residence. First contact with Citi was in XX/XX/2019. I have been in contact with them five times and each time they claim the check is in the mail. After several months of claiming that I will receive the check, it never appears. Clearly they are purposefully holding on to the money. Why?

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 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX XXXX XXXX, I contacted TransUnion to resolve unauthorized inquiries showing on my credit report. I called and spoke to a u.s. representative by the name of XXXX he was helping me until we got disconnected. I recently checked my credit report and noticed many inquiries that were removed during a breach in XXXX of XXXX in XXXX XXXX where reinserted. I did not receive a written 5 day notice informing me about the breach or TransUnion reasserting the inquiries. This is a violation of FCRA. TransUnion can not continue to violate my rights.

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 2019-07-22
Company: Portfolio America Asset Management, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly explained to them it is not my debt I have filed numerous complaints on the site and they harass me with mail. The debt is not mine and was done in 2009 10 years the statue of limitations is up on this debt. I want it to stop it has been taken off my credit report as well as closed.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The account listed below does not belong to me. I was XXXX  in XXXX XXXX   during the time that this account was opened. My XXXX  XXXX # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX/XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax, XXXX, and XXXX has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Key 2 Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke to this company on XXXX XXXX XXXX, XXXX and informed them that this debt is almost XXXX XXXX XXXX. I was in my early XXXX 's at the time of this debt and am now almost XXXX years old. 

He agreed it was uncollectable and I asked him to stop calling and to not hurt my credit. 

He assured me he would not. 

The next day he calls my parents asking for me at XXXX XXXX XXXX obviously trying to embarrass me into paying a XXXX XXXX XXXX debt. 

He was told not to call on XXXX yet called my parents anyway the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Hi I tried to contact XXXX, XXXX and Experian. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do 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 2019-07-22
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed numerous complaints against this debt, statute of limitations is up on. This is not my debt and has also been closed. This is HARASSMENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
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 did a police identification theft report I also reported identity theft with the Federal Trade Commissioners office regarding this account. Ive sent copies of each to the credit bureaus and all of them but Equifax have removed this fraudulent account from credit report. This account IS FRAUDULENT and has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions 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:
Experian online dispute website will not let me dispute items on my credit 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 non-monetary relief
Consumer complaint received 2019-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The account listed below does not belong to me. I was XXXX in federal prison during the time that this account was opened. My federal prison # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016

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 2018-01-14
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 is missing that should be on the report

Complaint:
Hi I tried to contact XXXX, Transunion and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do 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 2018-01-14
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: Investigation took more than 30 days

Complaint:
XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.

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