BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: GLA Collection Company, Inc.
State: KY
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:
on XX/XX/XXXX a request was made in writing to GLA collections XXXX XXXX XXXX XXXX Ky. XXXX ( XXXX ) XXXX in reference to ( 2 ) accounts that they were reporting to my credit report. The request was for documentation proving the account was mine and to let me get with my insurance provider to make sure this was not an oversight. I did not recieve the information as requested in the 30 days allowed by the FCRA. I contacted them in XX/XX/XXXX and they did not get the information out. So, I contacted them on XX/XX/XXXX and was told they could not and would not speak to me about this account. until the cease and desist was removed. The cease and desist was on all collection calls not the sending of the verification of debt which they failed to send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Please delete these hard inquiries as I did not authorized them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
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:
The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Georgia and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect

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 2016-10-25
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from PennCredit that was paid through the original creditor so you should not be attempting to collect on a paid account. 

Paid directly through XXXX confirmation tracking number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have previously disputed this item with you ( US Bankruptcy CT MD XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''

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 2020-10-23
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have opened a checking and savings account with UMB on XX/XX/2020. The accounts were opened successfully and was able to manage my account online. 

But within a couple of weeks, my accounts got locked and I'm no longer able to access my accounts or funds. The bank even rejected transfers when I transferred money leading to locks on my accounts at other bank as well. 

Since then I have been trying to have this resolved and gain access back and it has been already more than a month. Every time I call in they transfer to different persons or ask me to call a different number. They keep me on hold and come back only to say that the person who would look into this issue is not available and promises to call me back. But I never get any call. This is really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, 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:
- I have dispute several times with XXXX  my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with XXXX  is showing that information. However, they keep showing in the remarks it was paid less than full balance.Attached doc.- From my loan with XXXX XXXX, I'm missing at least one payment in my transunion report. This payment was done and reported by the company.Attached doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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 am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, Transunion, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX refused to send my 2023 statements and didnt notify me my account was closed after I made several payments in the last 90 days from today. Today Im attaching proof they took a payment from my account the was unauthorized to applied toward a closed 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 2021-08-12
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Calvary Portfolio appeared on credit files. They were requested a validation through dispute with credit bureau due to never receiving any USPS mail communicationfrom them. They refused and failed to provide validation of all items of said debt. When they were contacted, they began by verifying who I was, social security number was given but when they asked for address, I requested they provide what address they had on file. The address they had on file for this specific debt was a very old address and would not have been provided to them by original creditor and they were told this. They were told that " if '' I owed this debt, that a Validation is requested. They would simply change a word or statement with credit bureau and made claims it was validated. Credit bureaus simply accepted their change thus continues to remain on each credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Huntington Bank has been asked several times to correct my credit report about missed payment,XX/XX/XXXX and balance.. They have done nothing to correct this.. I have made all payments since XX/XX/XXXX of XXXX on the second Wednesday of each month..Have gone through XXXX twice to get it corrected.. They also have my car listed as being in Chapter XXXX on payment plan and that info is not true..
Thank you for any help you can give to get this fixed
XXXX XXXX
XXXX XXXX XXXX XXXX.
XXXX,Ky. XXXX
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Accurate Background
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today, XX/XX/2018, is the first time Im contacting the company with a dispute. This is the second background check that Ive done where someone elses name has come up on my report. I do not want my future to be affected by this person that is not me, nor has ever been me. I do not have an alias.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
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:
The Credit Bureaus are reporting erroneous information on my credit file

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX , XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX OF 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, TRANS UNION XXXX XXXX, XXXX XXXXY 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 2023-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 U.S.C 1681 section 602 A. States I have the right to privacy.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have missed XXXX, XXXX, XX/XX/2022 payments and I had applied for the Wisconsin help for homeowners program in XX/XX/2022. On XX/XX/2022 a payment was made in the amount of {$8000.00} to Mr Cooper haf from whh program. To this day Mr Cooper is denying the payment occurred. I have contacted the XXXX XXXX XXXX  consultant XXXX  XXXX, the director of the Wisconsin help for homeowners program XXXX. The government of Wisconsin treasury. All have said the payment was made. Also they notified me that these payments are made in batches and that they have had problems with Mr Cooper with many other peoples accounts from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
My identity was stolen and there have been someone trying to open an account in my name. There have been accounts that have been open in my name and it needs to be investigated and removed.

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 2018-02-27
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: Their investigation did not fix an error on your report

Complaint:
I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. XXXX and equifax are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS XXXX. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wrote a letter to the company via fax about putting money against my principal to lower my loan interest at the end of the year. Instead of me keeping my money in the bank with .o8 % interest versus my loan interest which is 3.375 %. The company, did not respond for about two weeks. I call up the customer service and I was told there is a fee of {$50.00} and I was also told that they have a procedure, called the " recast '' that I needed to follow. I told the lady whom I have spoken with to send me the instructions for me to follow.

I received the instruction asking me to pay {$250.00} for processing fee. When I applied for the loan. I remember there is no pre-payment penalty. All I want is to reduce my principal balance and pay my loan as soon as possible and do not want to go to their long process with a big fee. I wanted to pay my loan now but I am still short.

If needed, I can send you a copy of my letter to the company about my intent and a copy of their procedure with regards to this matter to be more specific. I have experienced to pay off my mortgage loan before at no cost with only a minimal fee for money transfer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with XXXX on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX services, XXXX, banks transfers. 
I called in advance to XXXX and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$16000.00} 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 2023-04-25
Company: Experian Information Solutions 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:
The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect

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 2023-02-26
Company: Credible Labs Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CREDIBLE accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS HOMELESS. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXX CA XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA placed a {$200.00} hold on a recurring alimony check ( nearly 2 years ) drawn on account with their own institution! Not only that but they know the funds inadvertently came from a XXXX XXXX payroll check as my ex has banked with them for over 20 years!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation