BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be advised this is has been my multiple attempt to fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 

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 2020-05-07
Company: Credit Plus Inc
State: MO
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/2019, Credit Plus ran a hard inquiry on my SSN. I did not authorize this hard inquiry and need it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS DEBT WAS INCLUDED IN A CHAPTER XXXX AND CAPITAL ONE CONTINUES TO SEND ME EMAILS TO COLLECT AGAINST THIS DEBT. CAPITAL ONE WAS NOTIFIED AS A CREDITOR AND THEY CONTINUE TO SHOW THE ACCOUNT AS OPEN AND PAST DUE ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 HAVE A XXXX CREDIT CARD, ITS A XXXX XXXX CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!

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 2018-03-22
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection from a company called Professional Debt on my credit report that is trying to collect {$5300.00} for an apt XXXX XXXX XXXX XXXX. I have repeatedly requested proof from the collection agency and they have not been able to provide nay. I asked the bureaus for verification of the debt and only come back with its 'verified '. I went as far as to go directly to XXXX XXXX XXXX asking for my files or some kind of itemized list for these charges. They too were unable to provide me with any information. I did not break the lease, I did not leave the apartment damaged or dirty, I even think I got my deposit back.

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 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX has closed my account and sold it to a collection agency. XXXX XXXX XXXX XXXX  XXXX is owned by Capital One. 

My Case Number for my dispute is : XXXX I have an ongoing dispute with them. On XX/XX/XXXX XXXX XXXX claims they returned clothing valued at {$24000.00} by XXXX XXXX XXXX. I never received the package. They refused to file a claim with XXXX XXXX. I sent them an email on XX/XX/XXXX saying that I was disputing my outstanding balance and would be filing an insurance claim. 

In the meantime they sold my account to a collection agency. They reported to the credit agencies that they were writing off my account. They did not tell either of these parties that there was a dispute. I would like my account returned to XXXX XXXX and the credit agencies informed that there is a dispute. 

I have told XXXX XXXX that my insurance company will either pay them in full or that I will reimburse them in full but that my insurance carrier will subrogate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ON XX/XX/2021 DYNAMIC FLAGGED MY ACCOUNT DUE TO A SUSPECIOUS REASON

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I submitted a Complaint about a month ago asking to please provide my updated credit score report on all bureaus and nothing was done about it. im still not able to see my updated credit score.

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 2018-03-20
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX continues to report inaccurate information on my credit report with Equifax, XXXX and TXXXX  without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is an account that was paid in full for The illuminating company ( debt collector Penn Credit ) in XXXX of XXXX. I called on a recorded line ( by myself and Penn Credit ) XX/XX/XXXX and spoke with XXXX ( collections representative ) and XXXX ( supervisor ) to request the information be reported removed. XXXX confirmed that he received the dispute from the credit bureaus and says the company confirmed that the paid account was still in collections despite receiving full payment. After several minutes of going back and forth with XXXX who was beginning to raise his voice. I ended the call at XXXX EST. 

I then contacted the original credit that emailed me a letter stating my account has been satisfied with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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:
Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We started our VA home streamline refinance back in XXXX and ran into all sorts of issues with being able to get in contact with anyone at freedom mortgage or inspire closing through email or phone. Documents were lost and they had to extend our rate lock on our loan because we were going to exceed the 45 day closing requirement and on the day of closing the notary called and cancelled our closing 30 minutes prior to the closing time. 

XX/XX/202 - received documents to sign our new loan XX/XX/2020 - received an email from freedom requiring our previous divorce decrees and marriage certificate because they were not on file - even though we were already financed with them and this was on file from our original loan XX/XX/XXXX, & XX/XX/2020 - we received an email stating we needed to mail off the POA to XXXX for closing, later that day freedom mortgage said we needed to keep the original for the notary during signing. 
XX/XX/2020 - requested to send our divorce decrees and marriage cert again XX/XX/2020 - requested to send a divorce property settlement form from my previous divorce - not needed because i was divorced 3 years prior to the purchase of this house - requesting unnecessary documents. 
XX/XX/2020 - received an email from freedom mortgage asking to email a copy o the POA because they did not have it on file. 
XX/XX/2020 - received an email from freedom mortgage stating there is an issue with closing and XXXX and for us to call them as soon as possible - our lock rate needed to be extended for the loan at this time because we were over the 45 days for signing. 
XX/XX/2020 - received an email from Freedom mortgage that they have not received our closing documents yet ( closing date scheduled for XX/XX/2020 ) XX/XX/2020 - emailed freedom mortgage that we have not received our closing documents XX/XX/2020 ( XXXX EST ) from notary for XXXX closing that they have to cancel our closing today 30 minutes prior to our closing XX/XX/2020 - called Freedom mortgage to file a complaint and talked to the loan officer.  no progress was made, i was told they would look into it and do not know why the notary cancelled the appointment XX/XX/2020 ( XXXX EST ) Freedom mortgage called saying title is trying to hire a new notary to complete our signing today.

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 2018-04-12
Company: EQUIFAX, INC.
State: MI
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:
1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would to file a complaint regarding a dispute issue that I have with American Express. I have a initiated a dispute with AMX after I had attempted in good faith to resolve the issue directly with the merchant. The merchant promised a refund on different occasions, yet, no credit was issued to my AMX credit card. 
I have paid for this transaction by other means and I have provided AMX with all relevant documents to proof my case. AMX dispute department ignored all the documents and did follow up with me about this dispute. Below are the information to lock up the dispute case. 

XXXX : Account ending # XXXX Dispute Received XX/XX/2019 Disputed Amount {$1300.00} Ref. No. XXXX Dispute Reason Paid directly to the establishment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
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 disputed the Account ( XXXX XXXX XX/XX/XXXX ) with Transunion ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XX/XX/XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Transunion has on file. '' Under the FCRA all unverified accounts must be removed ; if Transunion is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Transunion has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request the original consumer contract with my signature or remove this item from my credit profile.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX  for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: WA
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:
We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.

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

Complaint:
Someone stolen my Identity to Open Fraudulent Accounts all Accounts that I reported on my Identity Report is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Was not notified of investigation status or results

Complaint:
This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ASTA FUNDING INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter at a family members address from XXXX district court about a court case started in XX/XX/XXXX. The letter was a change in attorney. The plaintiff is Pallisades Collections. The defendant is a business i dissolved inXX/XX/XXXX. I have not received any detail about the bill to verify it is still owed. It is XXXX. Anything beyond six years is uncollectable. The statute of limitations is 6 years.

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