BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Transunion which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$860.00} XX/XX/2018 no notice of debt or verfication of account or debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We request the remaining money in the closed business account for the amount of {$4400.00} ( XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ). 

Unfortunately, our account was closed, and we have not been given a reason that brought the bank to make that decision. On XX/XX/XXXX Mr. XXXX XXXX XXXX intended to make a payment of {$2700.00} using an account under a different name, Mrs. XXXX XXXX XXXX. As one of our companys policies we review every payment and do not allow payments from third parties. As soon as this came to our attention, the situation was reported to Bank of Americas customer service and requested that the transaction would be cancelled. When the initial phone call was placed, the department in charge was not open so we were asked to call the next day at XXXX. eastern time. The next day, we called and opened claim Number XXXX with the Electronic Claims Services department. We were informed at that time that Mrs. XXXX had opened a fraud case the day before. Therefore, Bank of America proceeded to block our corporate account. As we requested to unblock the account, Bank of America explained that the amount disputed ( {$2700.00} ) was going to be put on hold which was understood as the amount of {$2700.00} were requested to be given back to Mrs. XXXX. On XX/XX/XXXX the amount of {$2700.00} was withdrawn from the account and placed back on Mrs. XXXX account, as requested by our company. The next day, our bank account was closed without explanation, and we were told to wait 10 business days to receive a check for the remaining money in the account ( {$4400.00} ). A few days later we received a letter stating the remaining money would not be returned to us. 
We have contacted Bank of America two times during the month of XX/XX/XXXX and no clear answer has been provided on whether the money can still be returned to us. Our company has clearly followed all procedures by reporting the situation and by requesting the transaction to be cancelled. Our company has not committed fraud nor intended to break the business relationship with Bank of America ; Therefore, we are requesting the remaining money left in the corporate account for {$4400.00} to be returned to the company. The remaining money left in a second business account for the amount of {$100.00} ( XXXX XXXX dollars ), and the remaining money on the personal account, for the amount of {$14.00} ( XXXX dollars and XXXX cents ). We are kindly requesting that you not involve XXXX XXXX  , XXXX and/or XXXX XXXX XXXX , XXXX upon this situation.

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 2018-10-11
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After multiple attempts to receive validation of debt from Online Info Services via a utility collection, I called and spoke to a rep  named XXXX who hung up on me because she was caught giving false statements regarding validating my identity to access my account. I called back to speak to a supervisor but the consumer collection department screened my calls and did not answer. I called back to back and unfortunately I had to call from another number for someone to answer to assist with my account. XXXX from the consumer collection dept. finally answers the phone so I asked to speak with a supervisor. The " assistant '' manager XXXX told me a letter was sent to an old address that I do not reside anymore so I provided her with an updated address. After providing an updated address XXXX stated the company will not send anything they have on file that states I owe this alleged debt. I asked to speak to her supervisor XXXX and I was sent to his voicemail. This is unacceptable and unlawful for a collection agency to consistently withhold information from the consumer, as the consumer is privy to information that being reported about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Lending Club Corp
State: CA
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 am filing a complaint against the three credit reporting agencies, The Lending Club and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some dental work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The dental office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: MA
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 acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX  almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.

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 2017-12-08
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection from XXXX from 2 years ago that I paid in 2015 with the company. However, a new collection for the same amount was put on my credit report from a different collection company who is saying that i still owe the money. They wo n't accept any information that i have showing that it has been paid and say that they do n't care. I do n't want to pay the same collection twice especially when i disagreed with the amount the first time from the phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
PLEASE SEE THE ATTACHED INFORMATION!! 
TRANSUNION, XXXX, AND XXXX I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX   YOU ALL ARE THE PROBLEM

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 2019-01-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have spoken to Equifax Office of consumers affair in the past and asked for this extended fraud alert to be removed that has a date of XX/XX/XXXX-XX/XX/XXXX that I did not ask to have placed on my credit file. It states that my file is blocked for promotional purposes. According to the FCRA the consumer has the right to have credit freeze and fraud alerts removed at their discretion whether they had it placed or not. My rights are being violated with this extended fraud alert still on my credit file after asking numerous times for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and TransUnion reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score.  CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-01-24
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:
on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove

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 2018-08-02
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: Account information incorrect

Complaint:
XXXX is a company of XXXX and XXXX XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, Experian, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, Experian, XXXX, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.

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 2018-10-11
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with Wells Fargo. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

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 2020-06-25
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX of XXXX I called Vanderbilt mortgage company about a foreclosure home they had for sale I was in contact with a gentleman named XXXX that was the property manager for this company He offered the property to me at {$50000.00} then on XX/XX/XXXX of XXXX I called in to Vanderbilt in their mortgage department And filed over the phone with my XXXX XXXX XXXX son for this mortgage on this home with a XXXX XXXX and I told XXXX XXXX I had some questions about there rules about giving mortgage to someone that coming out of bankruptcy almost 2yrs after discharged and XXXX XXXX proceeds to tell me six months after bankruptcy I could file for a mortgage with there company and shouldnt have a problem so I told her my credit score from trans Union and she told me that would be fine because they just dont look at the score they will take the Consideration of everything and I shouldnt have any problem getting the mortgage So my son and I went ahead with the Application process Then on XX/XX/XXXX I received a phone call from XXXX XXXX at XXXX She asked me some personal questions about myself to assure it was me then XXXX  XXXX told me that there no programs with there company for me I feel that I was missed lead by this company by them saying there shouldnt be a problem financing me then rejected me for the mortgage even after they was going to sale me this property they have for sale at XXXX and then had me to get a mortgage at XXXX I have watched this property go from XXXX on XX/XX/XXXX all the way down to XXXX on XX/XX/XXXX then jump back up XXXX on XX/XX/XXXX This home needs the Septic tank put back into the ground and the water line replaced to the home before I would be able to move into 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 2020-06-25
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I've sent several letters to XXXX XXXX and Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items Experian was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote Experian a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from XXXX XXXX, I then wrote XXXX XXXX who said they obtained the information from Experian. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX  deleted the information with no problem because they under the courts does not report to them. XXXX XXXX is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/2020. SO HOW is it that Experian said they verified this information with XXXX since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.

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