BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 writing this complaint due to numerous federal violations of the FCRA. Specially, 15 USC 1681g ( a ) ( 5 ) which states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

There are numerous fraudulent inquiries reporting on my credit report that I did not authorize nor give my permission to apply for any credit in my name. I have written to the credit bureau, filed an FTC report ( REPORT # XXXX ), called the bureau numerous times without success in removing these fraudulent inquiries. More than 30 days have elapsed since I have written to the credit bureau and these inquiries MUST be deleted immediately. Additionally, since the credit bureau continues to violate my rights as a consumer, my rights to privacy and numerous violations of the FCRA including 15 USC 1681g ( a ) ( 5 ), the bureau is liable to me at a {$1000.00} for each continued violation. I AM ALSO IMPACTED BY THE EQUIFAX DATA BREACH AS A VICTIM. 

I DEMAND THAT THESE FRAUDULENT INQUIRIES ARE REMOVED IMMEDIATELY AND MY FEDERAL RIGHTS CEASE TO BE VIOLATED.

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 2023-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
investigation i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: WELLS FARGO & COMPANY
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be 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 2022-03-16
Company: OneMain Finance Corporation
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:
ONEMAIN is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Renton Collections Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This bill was as a result of a work related injury. The original party where I had the service performed was notified on more then one occasion of the XXXX XXXX insurance information. witch was XXXX. They failed to bill the insurance company. They had everything they needed and they just did not follow threw. Now it has been several years and the XXXX XXXX case has been closed. I do not feel I should pay because they did not do there job. And will not pay on principal alone. I will file a small claims case against them and you because it is not my debt. If that does not work it will just sit there until it becomes to old to collect. because as I said that should have been paid by XXXX insurance. Every other party involved the hospital the doctors all got paid and it is there own fault they did not. Thank you XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the XXXX breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with TU they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!

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 2018-03-06
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt for XXXX XXXX was removed from my credit report in on or about XX/XX/XXXX when it was originally disputed with all 3 credit bureaus. 

This account was Closed per Florida XXXX and XXXX in XX/XX/XXXX. 
XXXX from XXXX Hospital confirmed this on XX/XX/XXXX. 
XXXX from XXXX, phone number XXXX confirmed the account was closed and No further attempts to collect on this debt would occur. 

As of XX/XX/XXXX, I received an alert per my credit monitoring indicating that XXXX XXXX XXXX XXXX has reinserted this account on my credit report as of XX/XX/XXXX, and is in violation of FRCA as this account is closed. 

No further efforts to pursue this account are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am having major problems with receiving incorrect information from the service provider who is now Navient. They have repeatedly given me wrong information over the phone. I was told that I could do a XXXX payment that would take care of the loan for 3 months. They have consistently given me misinformation that is costing me my credit and higher interest rates along with putting me into default. They took my payment and changed their story saying I did not qualify even though they debited my checking account. This is causing me to default which I believe is intentional to drive up my rates. I was dealing with a lady named XXXX who has given me a vary hard time. I was hung up on. I am hoping to obtain an attorney. I am very upset, this is putting me into default and is appears to be intentional at this point. They have repeatedly also given me misinformation in regard to their credit reporting as well. I need help and hope to obtain an attorney for this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied and opened a checking account in branch on XXXX XXXX, XXXX. People United Bank was running a promotion that the associate attached to my account. The offer was to receive {$100.00} after meeting a single direct deposit requirement in 30 days of over {$100.00}. On XXXX/XXXX/XXXX, there was a direct deposit of {$540.00}, the opening bonus was never credited to the account in the 3 month promised time. The bank did not award the bonus lines in their terms and conditions. I was I satisfied with the process and did not use the account after the promised time. Bank closed my account after a month of inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
OneVanilla VISA prepaid gift card Fraud Case # XXXX What you have put me through today is beyond unacceptable business practice. This is a felony case and I will pursue this to the fullest extent of the law. I will file complaints with XXXX and FTC. Furthermore, I have absolutely no trust in sending you my passport so you will accept the drivers license provided in attachments. 
As directed by supervisor XXXX ID # XXXX attached you will find the following documents ; XXXX ( store # XXXX XXXX XXXX XXXX, XXXX, ILLINOIS ) receipt of the fraudulently sold previously activated OneVanilla prepaid Visa gift card purchase date today XX/XX/2021 time stamp XXXX Front & back pictures of the USED VISA card Front & back pictures of the package ( which was completely sealed ) My Illinois Drivers license picture ID with proof of address screenshots from OneVanilla.com proof of the VISA card ending XXXX was previously activated on XX/XX/2021 and a purchase from XXXX XXXX XXXX of {$190.00} dated XX/XX/2021 leaving a balance of {$1.00} on the card I just paid {$100.00} cash for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by Experian.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have XXXX homes which have never been paid late XXXX car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one 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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 tried reaching out to this bureau several times about account that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report please!!!!

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 2018-04-20
Company: EQUIFAX, INC.
State: VA
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:
The following inquiries are showing on my report in which I did not authorize. Please remove them as they are impacting my score : XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Twice in one day? 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
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: Old information reappears or never goes away

Complaint:
I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.

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 2023-03-10
Company: Genesis FS Card Services, Inc.
State: LA
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:
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer to furnish an account without my written consent. 15 USC 1666 B : A creditor may not treat a payment to a credit card an open - end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discover Is attempting to collect on a debt I do not owe. This debt had been paid off, and they are still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We received a letter from a Debt collector, asking for the payment of {$320.00} apparently from a citation of the city of XXXX in XXXX, dated XXXX. We do not owe this money. A similar case was presented by these people, last year, that was totally paid by us. In the attachment is a copy of the letter received from the Debt Collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
company was asked to update my address and remove all previous address and correct birthday and remove place of employment. Letter was sent out XX/XX/21 and i have got no response.

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 2021-03-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A family/relative received a letter from this collection agency ( XXXX XXXX ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.

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 2019-10-07
Company: Experian Information Solutions Inc.
State: GA
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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2021-05-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent 2 checks to select portfolio 1 ) XXXX check to principle 2 ) check also for XXXX for XXXX monthly payment. Company did not apply XXXX to principal as directed and is skewing interest vs remaining principal!! I have called several times to correct!! So payoff balance is XXXX higher then it should

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
On around XX/XX/XXXX, I attempted to book travel using the HSBC travel portal utilizing my reward points. When I tried to complete my transaction, I was told that there was an error processing the request. No points were deducted from my rewards point account, and a pending charge showed up on my card. I expected this charge to reverse since the transaction failed and I did not receive what I attempted to purchase with my points. A week later I noticed the charge posted to my account, so I filed a dispute with HSBC for the charge. 

After approximately a month of no reply or notice that anything was being done, I finally received a letter from HSBC asking for more information regarding the disputed transactions. I sent them detailed information outlining the circumstances behind the disputed transactions. After sending this back I assumed the issue was resolved since the charged dropped off of my card. However, I noticed on XX/XX/XXXX, the disputed charges reappeared on my card indicating that HSBC is somehow determining I am responsible for the charges related to a failed transaction where nothing actually resulted in being purchased. 

This seems to be boarding on fraud from HSBC bank by deceiving me into using their travel portal with my points, failing to apply the points to my purchase, failing to provide me with what I purchased through their portal, and then charging me for the purchase amount. 

To restate : I have received nothing for the purchases in question. I applied points to the purchase ( which clearly did not happen ). There is no question that these charges should be reversed and to not do so is crazy.

Company response to consumer: Closed with explanation