BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
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:
I have disputed the XXXX XXXX XXXX account with Transunion and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Transunion states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?

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 2019-05-30
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my XXXX  credit report and found that Credence Resource Management had flagged my account on XX/XX/19 for collections, saying I owe {$530.00} from XXXX. I have never received any documentation from either company, account was paid when the number was ported out to another company and all devices either paid in full or not purchesd from the company. I also have tried to send a certified validation of debt letter to Credence via the address provided on my credit report as well as XXXX when I search the company name and United States Postal Service informed me that the address does not exist. So now I have no way to formally contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2019-10-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I contacted Transunion to report a bunch on unauthorized inquires on my credit report and was told by the representative that there was nothing they could do. On XX/XX/2019 I once again contacted Transunion to report old and new unauthorized inquiries on my credit report and was advised by the rep that I had to first try and make contact with all the individual creditors and request them remove the inquiries. On XX/XX/2019 I sent out letters to each individual creditor requesting they remove the unauthorized inquiry or send me documentation with my signature on it approving their request. I have yet to get any documentation in the mail from any of the creditors listed on the attached pages or have seen any inquiries removed. I tried contacting Transunion on XX/XX/2019 to explain that I had done what they requested and sent letters out to each individual creditors to request they remove the unauthorized inquiries or send signed documentation showing my approval of their request and was told by the rep there was nothing they could do, that I could not dispute this with them and I had to take care of this myself. I would just like their assistance in removing these unauthorized inquiries.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT XXXX XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on XXXX  and transunion it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you

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 2020-09-02
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt. 

National Credit Adjusters # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions 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:
I have disputed the XXXX XXXX XXXX  account with Experian and demanded a deletion because they are reporting a past due balance on a collection account. They are also reporting an inaccurate open date. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Experian states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?

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 2019-10-22
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow-up to complaint XXXX, which has been closed by PHH. They have provided a settlement offer to close the deed in lieu process but nothing more was provided. They have provided with a settlement amount, which seems unreasonable, and I'm unaware of how they arrived at that settlement amount. I have requested hardship assistance and they are offering none, and they are not taking any responsibility for their failings throughout this process. It is unreasonable to expect that I agree to a payment without knowing how they arrived at that amount, without them accounting for their shortfalls in the process, and without knowing next steps or terms of the deed in lieu. 

I would like PHH to take responsibility of their shortfalls throughout this process, which have exacerbated the hardship I continue to experience, and to STRONGLY consider the counteroffer provided. Furthermore, I need PHH to communicate, clearly, the next steps and expectations of the deed in lieu process, expected terms and conditions of the agreement, provide a draft of the deed in lieu documentation, prior to any agreed upon payment or expected signature. I have provided a letter to PHH outlining the issues experienced, my counteroffer, which I deem reasonable given the experiences with Ocwen/PHH, and requesting specific next steps regarding the deed in lieu.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: WV
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 my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( this one is also on my XXXX report ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( I 'm not sure what XXXX is ) XXXX XXXX, XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency have completely ignored my request and have given no written correspondence in regards to my matter. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency is ruining my my reputation and creditworthiness and is in direct violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I open an account with XXXX XXXX on XX/XX/XXXX promotion ended XX/XX/XXXX. I called 6 months prior asking about the end date of the promotion and was told that I have another year to pay off the balance. When I checked my account on XX/XX/XXXX and noticed a interest finance charge for the amount of {$1700.00}. I've spoken to XXXX XXXX/commenity bank and was told even when I first opened my account that the payment structure is an amortized payment. After speaking today XX/XX/XXXX XXXX a supervisor he advised the information given to me was incorrect and that I should have reviewed my statement and I can never just go off of what a employee provides to me. I think that sounds ridiculous but I digress. Please remove the charge and I will pay the balance in full. I'm currently going through a housing purchase ( in escrow ) and this could affect my eligibility. If I knew that charge was coming I would have paid off the balance. I can provide proof of funds to prove this statement as well. 

Please consider

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I checked my transaction history on XX/XX/2020 the same day I called the PA EppiCard Customer Service to report it, the first level customer service representative transferred me to level 2 customer service only time I had the opportunity to talk to them, the lady who answered " took my request '' for all the fraud transactions I had from XXXX to XX/XX/2020 almost {$1000.00} in total, they mailed a new card which I received 2 weeks later, time past and I didn't heard anything from them about the transactions, so I called again at the end of XXXX, the representative told me, he can see the request for a new card, but they never enter a dispute for all the transactions, since the end of XXXX I have been calling them in a regular basis ( once a week ) to be in hold on the second level customer line that never answer. Worst company ever, in the picture attach is my try last night XX/XX/2020, as I am writing this I'm on hold in the line waiting for the 2 level customer service representative to pick up the line, have been 50 minutes and nothing. The name of the rep in the first level is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called Wells Fargo on XX/XX/XXXX regarding several unauthorized transactions that were made from my savings account on XX/XX/XXXX for {$40.00} at a non wells fargo ATM, XX/XX/XXXX for {$23.00}, XXXX for {$23.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XXXX for {$63.00}, XX/XX/XXXX for {$43.00}, XX/XX/XXXX for {$43.00} and XX/XX/XXXX for {$42.00}. XXXX and all of them have atm fee of {$2.00} + wells fargo fee of {$2.00}. I informed them that i have never gave anyone my card or pin number and i never use a ATM thats not Wells Fargo and i dnt do withdrawal from my savings unless its online banking and they informed me that my chip was used so therefore my claim was denied. I asked if there was anything else they could do to get my money and further investigation by checking cameras on the ATM and they informed me that they could no longer assist me because the claim was denied. I was very upset due to them not being considerate about the the situation and how i couldn't be responsible for those transactions that were made. I asked if there was anything else i could do and they wouldn't assist me with anything and i felt very disrespected and not valued as a long time customer.

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 2019-05-30
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently as I viewed my personal file through monitoring system I noticed fruadulant account being reported in the amount of {$2100.00} from CLARK COUNTY COLLECTIONS that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CarMax, 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:
To whom it may concern : Upon reviewing a copy of my credit report, I discovered that I was a victim of identity theft as there was an auto loan with CARMAX AUTO FINANCE that was created XXXX XXXX XXXX I did not create this auto loan nor did I authorize my name to be on this loan. I have already disputed with all 3 credit bureaus however this negative item remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I opened a bank account with Wells Fargo in XXXX, took out a credit card but never paid back what I owed.Now on XXXX I decided to pay what I owed to try to reopen my account and could n't because I have a bad report now I need help to finding out what I need to clear everything to be able to reopen my account with Wells Fargo.

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 2017-12-19
Company: WESTERN UNION COMPANY, THE
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, an internet friend introduced me to a International crime agent whose name is XXXX XXXX. XXXX said that he can investigate a scammer named XXXX XXXX in XXXX to get him arrested. So I entrust him to do the investigation for me. He said that his initial fee is {$2000.00} and asked me to transfer to his friend named XXXX XXXX of XXXX for me. XXXX XXXX and XXXX XXXX can fly to XXXX to do the investigation. So I transfer the following {$2000.00} to him via XXXX XXXX as follow : Order Date Amount Recipient XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX  After I sent the money to them, they just gave me a faked story and then disappeared. I immediately ask for a refund, and then did not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have 2 accounts with XXXX, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with XXXX but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want XXXX to reverse their action on the 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 2020-07-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BOEING EMPLOYEES CREDIT UNION
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 information incorrect

Complaint:
On XX/XX/2020 the BECU Credit Union ran my credit check with the XXXX  credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that XXXX  is showing to me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from Transunion and XXXX. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.

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