BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Validify, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The company XXXX XXXX changed to Redwood Processing. Their contract ( attached ) says that a customer can cancel at anytime. Payments were automatic deductions from my bank account, on XX/XX/XXXX {$570.00} - XX/XX/XXXX {$570.00} - XX/XX/XXXX - {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$470.00} - XX/XX/XXXX {$270.00} - XX/XX/XXXX {$270.00}. I don't have the exact date that I called to cancel but it was XX/XX/XXXX. My contact person was XXXX XXXX her contact Info ( XXXX ) XXXX ( cell ) email ( XXXX ), I called her to see when could i expect my refund, she informed me that I was not due any monies refunded to me. I'm attaching their contract to my complaint so that someone in your department tell me that I'm reading this contract wrong or this company has misled me, which is what I believe. Redwood Processing only reached out to my creditors to introduce themselves and to let them know that I am a client of theirs. When I asked XXXX XXXX had they ( Redwood Processing ) resolved any of my credit debts, her reply was NO.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company, IC Systems, claim to have a debt in my name owed to XXXX in the amount of {$300.00}. I have never received any written notification by them or XXXX regarding this debt. I noticed this on my credit report from another collection agency reporting from XXXX. However, I have called this company and they claim the account was sent back to XXXX. Furthermore, I get in contact with XXXX and they claim that the account was never sent to them from the previous company before IC System took over. 

I got in contact with IC System and spoke to a very rude representative from their company. I verbally asked for a itemized statement to be sent to my home address, in order, to view what was owed and why to XXXX. The representative refused to mail the itemized statement which I thought under the FCRA that I have a right to get this information without this kind of harassment from a rep. He told me that they do not mail out itemized statements due to their policies? I told the rep over and over that I was going through a divorce and that I needed this statement for court ( martial debt to be split ) ; however, he refused and told me that " it doesnt matter if you are getting divorced, you still owe this ''. This rep was very unprofessional over the phone and refused to give me validation on the debt owed. I felt very disrespected by the rep and simply hung up on him because of it. 

IC Systems should not be reporting this to my credit without any proper notice whatsoever, considering they hire people described above that refuses to give out validation for a debt owed. This should be deleted completely and no further contact from this company 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
Consumer complaint received 2018-02-03
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for XXXX XXXX US Bank XXXX XXXX card on XX/XX/XXXX after receiving offer for {$150.00} welcome bonus for spending {$500.00} in first 90 days of opening account. 

After meeting terms, I called on XX/XX/XXXX to inquire about receiving bonus. I was told i needed to provide the advertisement in order to receive the credit. 

The offer was through an online landing page, and no terms were provided after signing up through the promotional landing page. 

They are currently running the same promotion and have advertisements for applications received XX/XX/XXXX through XX/XX/XXXX. They will not accept this promotional advertisement as proof as the card was applied for on XX/XX/XXXX and it was a prior promotion.

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 2020-02-14
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At the beginning of XXXX I attempted to obtain a mortgage prequalification and identified 3 unknown medical bills on my credit report from Transworld Systems Inc. When I contacted them by phone XXXX/XXXX/20 I was advised there were several more accounts that were not reporting on my credit report, but were in their records. In an attempt to get the prequalification done, it was time sensitive pending contract on new construction, I paid ALL the bills. I asked that a confirmation letter be sent. Ten days later I had not received the confirmation letter. I asked that it be faxed and mailed. The first week of XXXX I still had not received the confirmation letter. When I called for the third time I was told neither of the first two representatives had mailed or faxed the letter though my fax number was in their records. Finally the faxed letter was received that same week. XX/XX/XXXX I spoke with my mortgage company and they advised me that one of the TSI charges was STILL on my credit report. It is for {$59.00} and the credit report lists it as account number XXXX. The confirmation letter from TSI does list an account ending XXXX, but does not detail the amounts paid for each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
We are members of XXXX who signed all members up for credit monitoring and reporting. Somehow they must have given Experian the incorrect email address. As a result I am unable to access my account not on line, not by phone and XXXX has the correct information but Experian does not. My email adress in the system at Experian account is already " being used by another person '' and when I ask to reset my password or sign in the email goes to the wrong email address. I am transferring my job out of state on XX/XX/2020 and my credit needs to be accurate so I can rent new housing there in Utah. This is terribly frustrating and no access to a human at Experian ever. I have called 15 times. I called XXXX also. They say it is not the problem of XXXX. Can you help me get a person from Experian to speak with so I can correct the issue please? Membership ID # XXXX at Experian

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 2017-08-10
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I submitted an application for a HARP refinance. After Citibank dragging it out until XXXX of XXXX by continuously asking for more information weekly, I was denied because I could not show enough income possibly because I am XXXX XXXX. At that time, I told my " Homeowner Support Specialist '' XXXX XXXX that my girlfriend lived with me and he said that was good news and that we should submit her financial information. We did that immediately as requested. Since then I have made several phone calls to inquire about the status of my application only to spend hours on the phone receiving the run around. Usually I get cut off or I finally give up holding. I am still making payments when I can and would like this resolved. I am hoping that you can help.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$5400.00} DPT ED/XXXX XXXX {$1300.00} DPT ED/XXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT ED/XXXX XXXX {$800.00} DPT ED/XXXX XXXX XXXX XXXXDPT ED/XXXX   XXXX {$2300.00} DPT ED/XXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have inquiries of my credit report showing I have reviewed my credit report every month. I have not done this. Addresses that I have not lived at are on my credit report. There are phone numbers that were not mine on the credit reports.

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 2019-03-13
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PHOENIX FINANCIAL SERVICES LLC Is a 3rd party trying to collect monies that have already been paid by my insurance company. Please remove all collections from all 3 credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
In late XXXX/early XXXX I reached out to PNC regarding this issue. I explained that any application that requires me to link my PNC account would not work ( example : XXXX, XXXX, XXXX, XXXX XXXX, XXXX ). I obviously do not use all of these applications but tested it on all of them and they failed. Now if I hadnt already been able to link my account and start using them this would not be an issue BUT I am using XXXX and possible. These applications can affect my credit score. Every time I reach out to PNC they refuse to acknowledge the issue is on their end offering little to no help. No other bank has this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For the past 5 to 7 years there has been over XXXX hard inquiries on my credit report of which I am responsible for XXXX to XXXX, the most. The rest has been the actions of thieves with my social sec number, using variations of my name, addresses, false most of them, and bogus phone numbers, all that in the island of Puerto Rico. I am currently living in another state and communicated the issue to trans union the agency running most of the bogus inquiries. Their answer was to call and write the numerous banks, car dealers and financial institutions where the inquiries were made. I did but to my surprise, the answer I got from all of them is that they have no record of an inquiry, not records of my social sec number or name. Even the false names and addresses that appear on my report were not recognized. Worst is that in the end I am stuck with a bunch of inquiries that I did n't do, my score is affected miserably and trans union keep sending me to the same lenders and service providers that already told me they have no inquiries under any name or social sec number that I provided to fix the problem. However, to be fair with them, they did process a security fraud alert very quickly and took a bogus account under my name out of the report. The options I have to fix that problem is wait 2 years after each inquiry to be taken out and that for me is simply unacceptable. Any way you can help me will be much, very much appreciated.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: WI
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: WI
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 XXXX I have been battling with XXXX and Equifax about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention 7 disputes with Equifax and 5 with XXXX. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. I received a request from Diversified Adjustment Service on the same debt which I requested no further contact but still received in the mail an itemized statement that I did not request. XXXX and another collection agency has already rightfully ceased collection on this debt and Diversified Adjustment Service should do the same immediately. Please cease & desist immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I sent Equifax, XXXX  and XXXX a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NC
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 went to the XXXX dealership and applied for a car loan and they said they were only going to do XXXX however it was 8 more unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX XXXX placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score.  XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, XXXX and Transunion are cause for investigation into the companies themselves.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation