BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Charge from XXXX XXXX XXXX in XXXX Texas in 2018. Bill of {$110.00} was paid online directly to them XX/XX/2018. They acknowledge receiving the money, but turned it over to Merchants and Professional Collection Bureau Inc for the same amount and date of service. 

We provided proof of payment to MPCB Inc., they contacted XXXX XXXX XXXX who again acknowledged receipt of funds, but continue to maintain that the bill is outstanding. MPCB refuses to correct the information in our account and continues to report it as outstanding to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
These inquires from XXXX with inquiry date of XX/XX/XXXX and XXXX with inquiry date of XX/XX/XXXX are unauthorized. I already asked TransUnion to get these off from my report but to no avail.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: TN
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 recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2020 I checked my credit report from Transunion and XXXX. My credit score dropped 70 Points on Transunion and 75 on XXXX. They said thats its because my XXXX XXXX XXXX had increased by {$46.00}. I have never changed anything on the card for $ XXXXI dont understand how my credit scores could drop that much and I dont have any delinquent or late payments accounts. I have attached some documentation that shows how many times my score has changed. Such a decrease in my score prevents me from obtaining a good rate.

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 2020-07-14
Company: EQUIFAX, INC.
State: CT
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX partial account number XXXX. Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This account  reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Received Capital One 's response to my complaint that they incorrectly reported to the CRA 's that I was late over 30 days in XXXX of 2019. Their mistake was to claim that I drew on an account that is still an option for me to use on this account, and that as of the date of theri reply that it still is an option to draw from that account. I have verified with my own account and their customer service that this XXXX XXXX account has NEVER been an option to pay for this credit card. Capital One is in fault here and this should late should be removed from my reports, and they need to do an internal investigation on how one side of their company is saying one thing to me and the other side is saying something different. This has severely hurt my chances on buying my dream home and Capital One needs to take accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX2022 XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX XXXX2022 XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.

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 2023-01-24
Company: EQUIFAX, INC.
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:
In accordance with Fair Credit Reporting Act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. U.S.C. 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello, This is in reference to closed case # XXXX. If you open up the case you can see all the notes. XXXX  XXXX XXXX noted in several documents within the case that only one inquiry was sent to Transunion on XX/XX/XXXX for opening up a credit card account. 

However, I spoke to Transunion today and they're still claiming they show two inquiries from XXXX  XXXX XXXX on XX/XX/XXXX on my file. Transunion was not helpful in providing documentation of this only to tell me XXXX  XXXX XXXX needed to send them a Letter of Deletion to the following address XXXX XXXX XXXX XXXXXXXX, PA, XXXX Transunion also told me I needed to send a letter authorizing Transunion to remove an authorized inquiry from XXXX  XXXX XXXX. Transunion gave me this file number : XXXX. 

This is very frustrating as neither side seems to take ownership. 

Please reach out to me, as I need this inquiry off my Transunion file asap. 

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 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX and XXXX after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 non-monetary relief
Consumer complaint received 2021-10-19
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I saw a new credit card on my credit report, which I never applied for. The account was opened inXX/XX/2021, with a XXXX Arizona address ( where I have never lived ). The card was opened with a limit of {$4000.00} and they had already used {$2900.00}. No inquiries appeared. That same day ( XX/XX/2021 ) I called the responsible company ( XXXX XXXXL XXXX XXXX XXXX XXXX , OR XXXX USA- XXXX ( XXXX ) XXXX ) and they stopped the card and is in the process of investigation. Also ( on XX/XX/2021 ) I called the 3 credit bureaus ( XXXX, XXXX and XXXX ) and put up a dispute. I called the police and they made a report to me on XX/XX/2021. The Responsible Company ( XXXX ) sent me an Identity Theft Victims Complaint and Affidavit that I completed and I will send it to them today ( XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
It has come to my attention that as a result of a dispute with XXXX and XXXX my credit report has been smeared. On XX/XX/2018 I notified the banks that I dispute all charges related to credit cards issued by the aforementioned banks. 

I explained that the accounts were not opened by me and my personal information was compromised. I never had possession of these cards and I never authorized anyone to open or use these accounts. 

The aforementioned banks gave no consideration to my statements and facts described in multiple letters dated from XX/XX/2018 to the present and rejected my claims. 

I continue to dispute all charges of these accounts. I request the immediate restoration of my credit report to reflect my excellent history of accountability and responsibility in all my financial transactions either it is credit cards, auto loan or rent payments.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Owed : {$350000.00} ; XXXX XXXXXXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2022-04-22
Company: U.S. BANCORP
State: SC
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:
Got a phone notification that I had applied for credit with Elan Financial Service, and have not. Called them and they said that they will canceled the application and for me to contact this web site to stop this from happing again.

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 2021-01-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had fallen behind in my car payment and needed to catch up. It took me a few months, but in XXXX I finally paid my balance du in full on XX/XX/XXXX through Citizens bank online portal. The portal showed a {$0.00} balance due once I made the payment. I received my XXXX bill from CItizens bank and it showed no payments due in XXXX and no past due amount as well as no fees due. The bill showed all XXXX  and a total payment due of XXXX. I went online to pay my regular XXXX payment and noticed that my monthly payment was significantly more than it typically is. I called citizens bank and spoke with XXXX ( not sure of spelling ). He wasn't sure what the reason was. He had me on hold while others tried to determine why. He eventually came back and stated that it was due to late fees. I told him about my XXXX bill and he agreed that he saw it had a {$0.00} due and then placed me on hold once again. HE came back with the same answer. I asked him to send me a copy of all the statements showing any late fees and then I asked to speak to a supervisor. 
It was at this point that I reached XXXX XXXX who said he was out of the call center in PA. HE proceeded to tell me that I had 11 late fees over the life of the loan and that this was what the extra fees were for. I have had this car loan since XXXX and this is now XXXX. Why would they not appear on previous billing statements and all of a sudden appear on my XX/XX/XXXX bill when the previous two months show I had paid in full. This is not fair or being transparent. And it does not make any sense. Why show a XXXX  payment due if there were payments due. I don't feel that I still owe any late payments. I feel it is only fair and honest that they stand by their own portal and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found three late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
My attachments will describe the issues which involve : 1. XXXX failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.

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 2020-07-14
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just noticed this amount on XXXX XXXX and on my credit report. I contacted XXXX  and they said it was verified, I do not have good credit and there uis no way and i DID not open this balance and nver would with payday loan and not sure how i could I cant even get a car loan right now. So i need help getting this off my credit report because I am trying to move and get a rental place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of XXXX as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.

Company response to consumer: Closed with non-monetary relief