BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 was a victim of identity theft and did not realize this until I received an alert. I have since filed a police report and disputed this information with the bureaus and have had this removed from all other bureaus. However, TransUnion has declined my attempts and claim that this has been verified but yet has not provided any proof of to show where they have verified through the physical verification of the original signed consumer contract. I also demand to exercise my right pursuant of 15 USC 1681 ( a ) under section ( b ) where it states that anything that was extended or authorized for a credit card should be excluded from my credit report. This should not be reporting on my credit and is unfair that I have been put through so much to have this inaccurate account removed. Specially being that a police report has already been filed. I spoke to several agents and have sent letters in regards to this inaccuracy with no success.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent ( XXXX XXXX, a Califonia Corporation ) erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XX/XX/2020 In XX/XX/2020, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX by phone, I was made aware of the error In XXXX of XXXX, I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/2020. This resulted in a XXXX point credit score drop across all 3 reporting agencies. 

Since then, I have been in telephone contact with XXXXXXXX disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX XXXX & TransUnion, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.

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 2021-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Personal Data : XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Account # XXXX Sent three emails and registered letter to company with no respose in XX/XX/2021 ; also spoke with customer service representative three times with no resolution Company : United Services Automobile Assn ( USAA ) XXXX XXXX, TX Chedcking account missing approximately XXXX XXXX {$50000.00}. Suspitious activity started in XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I mailed proof of payment of {$180.00} to collection agency it was paid directly to XXXX XXXX XXXX which I still have as phone carrier I sent collection agency receipt of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

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 2021-01-08
Company: EQUIFAX, 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:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my XXXXredit score when down from over 800 to below 700. This is an unfair practice and it must be 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 non-monetary relief
Consumer complaint received 2020-05-25
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The consumer reporting agency flagged me and the background report states that my drivers license is inactive-which is incorrect. My drivers license is active and now I will not be able to get this job because a valid drivers license is a requirement of employment. This reporting agency reported false information which cost me a job. They should be shut down and their licenses for reporting taken away!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I have been the victim of fraud as a company has obtained my medical information illegally without HIPAA authorization, nor my written consent as a consumer to furnish this information to my consumer report. I have verbally and written them to cease and desist all efforts, and they have furnished this information. I have received multiple letters after submitting a cease and desist, as well as illustrating that they have received them and stating they do not need a HIPAA as they have a contract. They stated the FDCPA doesn't apply to them when they purchase a bill. Which is also illegal according to the FDCPA. 

Medical treatment is supposed to be private, so why is it showing on my credit report that I had a ride in a ambulance to the hospital on my public consumer report? 

Please see the attached items to see that I have been violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Solomon and Solomon, P.C.
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: Their investigation did not fix an error on your report

Complaint:
I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. Solomon and Solomon was the collection agency. But I worked directly with XXXX XXXX XXXX to pay it off. I have disputed this before with XXXX, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Public record information inaccurate

Complaint:
Portfolio Recovery A : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XX/XX/XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XX/XX/XXXX nor XX/XX/XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, XXXX, and Transunion not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX Bank {$1700.00} 2 ) XXXX XXXX Bank XXXX XXXX {$720.00} 3 ) XXXX XXXX Bank XXXX {$560.00} 4 ) XXXX  XXXX Bank {$850.00} 5 ) XXXX XXXX 6 ) XXXX  XXXX Bank XXXX {$0.00} 7 )  XXXX XXXX XXXX 8 ) XXXX XXXX Auto Finance 9 ) XXXX   XXXX  Ser 10 ) XXXX  Card Service

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: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In the summer of 2020, around XXXX of 2020 I lost my debit card for my Chime checking account. I didnt know I lost it and had been using it as an account that I can save money in. Apparently someone was using my debit card and committing fraud on my account. When I went to see how much money was saved I saw my account balance was low and had found many charges on my account within a 2 week period had been charged in my account. I immediately called chime bank and told them of this. I was never credited the money back and was told that because it was used at places that were not over 100 miles away and that money was coming and going and thats normal that I wouldnt receive my funds back. I sent them information proving I was out of state during these transactions and they still will not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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:
I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Reverse mortgage servicer Celink filed an illegal notice of default and foreclosure, without any cause or notice, and I would like it removed, along with all of the unjustified attorney and filing fees. No payments were behind or due. Celink was promptly notified by me, the executor, and by the probate attorney, that the homeowner, my XXXX XXXX  on XX/XX/XXXX and that the heirs intended to sell the house as soon as the damage to the house was fixed. Later Celink said that was the reason they filed the foreclosure notice on XX/XX/XXXX was because they were not notified of the death and the intent to sell the house. I have proof, which I have shown them, that they were promptly notified and they even responded. Celink required that the house could not be sold until repairs were made ( see attached email ) and yet Celink refused to forward the insurance checks that were sent to pay for those repairs. Their unfair business practices are responsible for any delays in selling the house ( which is on the market ). I believe this foreclosure filing is an attempt to take the house illegally and sell it at auction for their own gain. Please see the attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Niagara Restitution Service Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt Collector contacted a Family member at the referenced number and stated were serving me with summons for a debt owed. This was after they were told the number was not mine ( third party disclosure ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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 applied for a personal loan with XXXX today XX/XX/2020 and unfortunately I was not approved due to a few accounts in negative standing appearing on my credit history. I looked though each account and none of them are mine. I did not open any of the accounts I listed on this report and I did not allow anyone to open them in my name with my personal information such as my social security number, name, date of birth or address. I did not benefit anything ( money, services, goods, any other type of benefit ) from these accounts that were opened without my permission and I did not contribute to any payments that might have been made towards these accounts. I am not affiliated to any of these companies and I did not allow them to run or access my credit. I already filed a complaint with the CFPB as well as a police report regarding all of these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX 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 2020-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2018-09-23
Company: FC HoldCo LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In mid XXXX my car was repossessed by XXXX XXXX. I admit that there were errors on my part and wanted to get my car returned. While speaking with XXXX in the recovery department she stated that 1. XXXX XXXX had received no payments from me in months 2. She would have the repossession and late fees removed 3. That {$1300.00} would bring me completely current to my XXXX payment and allow me to retrieve my vehicle. On the following Monday I sent the required amount by XXXX XXXX to XXXX XXXX and notified them of the transaction. After several emails to swear I would stop payment and multiple calls I received an email stating they made an {$8.00} mistake that must be paid prior to retrieving my car. My fianc and I spoke to a manager XXXX who released my car and confirmed to us both that nothing further was due on my vehicle besides the {$8.00} and the up coming XXXX payment. Since then I have had nothing but nightmares from XXXX XXXX. They have failed to credit my account with payments made, called 20 or more times a day while Im at work, and made repeated threats that they havent received car payments for months. I have started 3 Manager reviews requesting they 1. Review the phone recordings and emails 2. Post payments correctly and 3. Correct my account to show the appropriate amount due and current correct payoff amount. I have had this {$16000.00} loan for 3 years and still owe XXXX and the amount due since XXXX is over {$2000.00} on a monthly payment of {$370.00}. I have not heard a reply by letter, email or call from any request for review. I did receive a voicemail requesting that I return a call to XXXX. When I attempted to call XXXX at the number left a XXXX answered stating they hadnt received a payment for XXXX, XXXX or XXXX. The attached files will show they received payment plus extra. I however have not received correctly posted payments or account corrections based on the original information I received. The last manager I spoke with promised to reply within 24 hours. I have still not heard back from manager XXXX XXXX in over a week. XXXX XXXX did come to my house and leave a threatening letter however but can not reach me to solve their issues.

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 2018-09-23
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXXs, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.

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