BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
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:
Since 2016, I have been in dispute with two of the three credit reporting agencies, Transunion and XXXX, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to XXXX and Transunion on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. XXXX nor Transunion are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I started the process of a HELOC application with BBVA Compass Bank after recently moving. From the beginning of the application process I provided everything to them and all within a timely manner. The application was mishandled by the banker who took my information and did not gather all the correct information. He strictly took the details available to him and generated the application. Upon complaints of processing taking so long I was finally told that he had done this wrong and my account was the handed to a new relationship person based out of XXXX. She was friendly but continued to ask for duplicate information and I thought we had everything resolved. Finally I got an email that said that additional information provided was not sufficient and that I needed something further. Upon providing this to them earlier this week I am now being told that my application has been declined for insufficient information - even without this review. It is astounding to me that a bank would treat someone like this. I have referred several friends to BBVA based on having an earlier account with them but now am faced with the choice of restarting the application. I will re-start the process but it will now be with another institution as they have lost all my trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I was a victim of the XXXX  data breach so in XXXX I submitted a complaint to the credit bureaus asking for the inaccurate items to be removed. I understand that Covid is going on so I tried to be patient. Then in XXXX I sent another letter XXXX this time certified mail ) asking again for them to remove the items and again I got no response. This is beyond ridiculous and I believe they're trying to take advantage of me and hinder my ability to get new credit. Please send them as many fines as possible until they remove those items from my report because it's been well over 30 days which is way more than enough time for them to remove them.

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 2021-07-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Received a copy of my Equifax credit report and notice some inaccuracies, specifically a bankrupticy. Sent request for there method of verification and Equifax replied on XX/XX/XXXX with file # XXXX saying the account was verified by XXXX. Appalled by this, I went to XXXX directly to verify this information and during there investigation XXXX couldn't verify the information themselves as a result of there investigation has removed and deleted the inaccurate unverified bankruptcy on there files as of XX/XX/XXXX. As a result of the investigation XXXX disputed the information on my behalf to Equifax directly on XX/XX/XXXX and as of XX/XX/XXXX no response. So as a follow up I sent the results of the investigation XXXX letters enclosed XXXX  that the bankruptcy was unverified and has been removed from XXXX files received by Equifax on XX/XX/XXXX and responded on XX/XX/XXXX with file # XXXX stating the bankruptcy is VERIFIED as accurate and reporting correctly. How after XX/XX/XXXX can Equifax verify something that is not on XXXX files? Either they lied or never sent the information for verification to XXXX and just sent a computer generated response. Why hasn't Equifax responded to XXXX dispute on my behalf which has been over 30 days and why say something is verified when its can't be. Equifax is reporting unverified inaccurate bankruptcy on there report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: NJ
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 sent out Notice after Notice. I started XX/XX/XXXX  and XXXX/XXXXXXXX and the last one was on XXXX/XXXX to XXXX. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Information belongs to someone else

Complaint:
Upon pulling my credit on XXXX XXXX I have come to a conclusion that my identity was tempered with for I am not familiar with previously reported errors on my credit profile. I have reached out to XXXX, TransUnion and XXXX. XXXX acted accordingly by deleting everything off my credit report including inquiries except that they are not reporting my score on my credit profile. TransUnion did get rid of some but left XXXX, XXXX and Inquiries. XXXX deleted all inquiries but left a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. However, my biggest problem is with XXXX  and TransUnion who continue to ignore my request to delete Erroneous items that I am attaching on here for you to review and investigate further. I have filed a complaint with the FEDERAL TRADE COMMISSION and sent it to all three credit bureaus and attached it to this complaint as well. I am demanding that XXXX TRANSUNION, AND XXXX  remove all INQUIRIES, and listed attached so called collections and derogatory accounts off my credit report immediately.

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 2020-05-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
RE : COMPLAINT ID XXXX Equifax has reopened the referenced dispute with the date of XX/XX/2020! 

Equifax has acknowledged to have my dispute as of XX/XX/2020. Their time is up! They have now 30 days! What they are attempting to do is against the law. 

This was the purpose of my initial complaint for this illegal practice NOT to happen. 

According to the Fair Credit Reporting Act The credit bureau has 30 days to look into your dispute, based on the information you provide to it. The credit reporting agency must also notify the furnisher of the information, such as a bank or credit card issuer, within five days of receiving your dispute and provide the furnisher with the same evidence that you gave when you flagged the error. 

The data furnisher must then investigate your dispute and verify whether the information it gave to the credit bureau is correct. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I recently received a copy of my Transunion credit report and noticed that several inquires were made without permissible purpose, i contacted Transunion on XX/XX/XXXX and was told they would be removed, but they still remain. 



To whom this may concern, I am writing to request the removal of unauthorized credit inquiryXXXXinquiries on my Transuion credit report. I recently retrieved my credit report and it showed 5 credit inquiries that I have no knowledge of ever authorizing. 



I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX VISA 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 2021-07-15
Company: Collectibles Management Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Personal information incorrect

Complaint:
this is my XXXX CFPB complaint about the addresses and names being inaccurate on my creit reports. I have sent several letters to XXXX XXXX and Transunion and they still have not been updated or removed. 

Transunion is reporting inaccurate name XXXX, XXXX and also reporting addresses that don't belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian is reporting addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  is reporting addresses that so not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I want all names to be updated correctly and these addresses that I have never lived at deleted from XXXX XXXX and Transunion.

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 2021-06-04
Company: EQUIFAX, INC.
State: CT
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 submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a dispute to the bureaus on XX/XX/2021 in regard to inaccurate information but the bureaus have yet to respond to my dispute or send me any documentation that they have verified the accounts or the derogatory information ; it has been almost 60 days and the bureaus are only supposed to have 45 days at maximum to do this! This is beyond frustrating for someone that is trying to get things straightened out and taken care of where this derogatory/false information could hinder and impact my livelihood!

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 2021-07-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt Collector company by the name of : I.C System INC has be harassing My Credit and Damaging it out of Spite! They told me that they would purposely Ruin my credit Score. And now they are sure FLAGGING MY CREDIT 3 or 4 Times in less than a Month which I believed is illegal! Company phone number XXXX address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX. My name is XXXX XXXX, phone # XXXX i had to changed my number! Listed creditor : XXXX, XXXX XXXX XXXX Reference ID : XXXX. My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX. The last representative i spoke to i told him i did not have because Im struggling to pay my bills, i also told him that they are harassing me, and i need it to stop. He then told me that the are going to Damage my credit since am so rude telling him about harassment. I need my credit scores to be replaced asap! I.C System Inc FLAGGED MY CREDIT on XX/XX/21, XX/XX/21 & XX/XX/21. XXXX  times that i can show that the action is to damage my credit out of spite. I need help please. They are abusing there authority. Thank you, 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 2020-12-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of check fraud amounting to {$10000.00} being stolen from my checking account. I submitted a claim to US Bank and they denied it stating that I failed to secure my checks. This claim is false and based on zero evidence of such neglect on my part. I resubmitted the claim to appeal their decision, stating that these checks were destroyed back in 2017. This second claim was also denied. 

Checks were created and cashed with XXXX in the memo, and a signature that does not resemble my signature whatsoever. 11 checks in total were forged, and completely depleted my checking account. 

Checks with dates and amounts are as follows : XXXX {$250.00} | XXXX {$49.00} | XXXX XXXX XXXX XXXX {$49.00} | XXXX {$250.00} | XXXX {$4000.00} | XXXX {$49.00} | XXXX {$250.00} | XXXX {$5000.00} | XXXX {$5000.00} ( This check bounced ) | XXXX {$49.00}.

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 non-monetary relief
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XXXX. In addition, they are reporting a balance due although they have already written the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: ERC
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: Account information incorrect

Complaint:
I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to Enhanced Recovery XXXX XXXX. I've talked to both XXXX and Enhanced Recovery in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. Enhanced Recovery offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called ARS to pay debt from XXXX XXXX, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called XXXX XXXX  who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my XXXX XXXX, they would not send me a letter confirming that they can not find an account for me or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called XXXX to pay debt from paypal credit, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called Synchrony bank who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my paypal credit, they would not send me a letter confirming that they can not find an account for me or anything.

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 2021-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing 1 account since XX/XX/XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing 1 account since XX/XX/XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.

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