BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$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 2023-09-10
Company: MRS BPO, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection letter from MRS BPO , LLC for {$110.00} for XXXX. 

1 ) I logged into XXXX and currently have a positive balance. 
2 ) I do not recognize this debt. 
3 ) I can not actually log-in to MRS BPO , LLC. I have tried the letter ID they gave me. I have tried last name, and last 4. Nothing has worked. 
4 ) The website references a page with a signature, I think I've only received the 2nd page of a correspondence. I believe this is a badly orchestrated scam. 
5 ) Just realized they also sent it to Washington, DE not Washington , DC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: KEYCORP
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2018 my husband and I applied for a joint consolidation loan at the Key Bank, in XXXX, OR. The loan officer was very polite, and engaging. On XX/XX/2018 he called us to inform us that we were denied based on 3 years ago prior late payments on my personal record. At that moment, I told him we would like to apply for just a car refinancing loan only in my husband 's name ( because he has good credit ). The loan officer, XXXX XXXX, then informed me that they do not give loans to XXXX. ( My husband is a legal XXXX XXXX. ) At that point I replied that I felt that this policy was racist, and discriminatory. 

Therefore, I would like to make a discriminatory complaint against Key Bank. I also called the XXXX number and the customer service lady confirmed that whatever the criteria for " underwriting '' for Key bank 's loans policies are, which the loan officer stated, was what Key Bank goes by. Therefore, it is obvious that this bank is discriminating against legal XXXX XXXX. ( My husband has a 10 year XXXX XXXX, Social Security Card, Oregon Drivers License. ) Please submit this discrimination claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: NY
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 account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment

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 2022-05-02
Company: Experian Information Solutions Inc.
State: AZ
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 am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 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 2018-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There are no balances owed on any credit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as XXXX  XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.

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 2020-10-27
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX/XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2018-02-28
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I had XXXX internet for about one year and 4 months when I decided to cancel my two year term. They said it there will be a fee for cancelling since I'm in a 2 year term. So they gave me the option to suspend my acct meaning it will be temporally be disconnected for the remaining 8 month for a fee of {$7.00} each month with a automatic closure after 8 months that way I don't get charged a fee for closing my account before the term was up. After my 8 months was. Account fully closed. Out if nowhere I get a huge bill. Very unhappy with this bill. I have been working really hard in repairing my credit but it's so hard with this unaffordable bill. If I had money I would of just paid it just get it over with. So I heard maybe this website will be able to help me with this. Thank you for the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX XXXXXXXX Account XXXX Reporting incorrect account balance. I reported this information with proof to the credit report agency and filed disputes. They failed to remove the incorrect information being reported.

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 2023-02-03
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:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2022-10-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$160000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3500.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$860.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX and XX/XX/2021 I spoke to ERC asking for proof of this debt they claim they have in writing. I gave them my new address. Asked for a letter on XX/XX/XXXX aprox. It never came. I never received a letter. Today, XX/XX/2021 I called again. I spoke to XXXX /supervisor she stated that their verbal dispute team will send me a letter when they feel like it. [ Basically ] She could give me no date. Her high and mighty attitude was abusive in tone and words. Verbal Abuse, abusive tones which VIOLATES FDCPA the Fair Debt Collections Practices Act. Typical .She said it's against the law for them to send me a letter since I verbally disputed it. Which I WAS NOT TOLD on XX/XX/XXXX. On the first call. Where I spoke to two CSR 's who did not bother to give me that info. Even after I ask on a recorded line she still refuses to send me a letter. She claims it's harassment if she sends me a letter after I verbally disputed it. Yet, I specifically asked for a letter on a recorded line. This is a fake debt. I owe XXXX  nothing. XXXX  XXXX broke their contract with me. I was told it would probably be put on my Credit Bureau by the first person I spoke to on XX/XX/XXXX. Yet, it was taken off ALREADY! AND IF THEY RE-REPORT IT THEY WILL DEFINITELY BE BREAKING THE FCRA. I am being threatened with my Credit being tarnished, and refused something in Writing. They refused to update my address to XXXX XXXX XXXX XXXX, CA XXXX. All letters were going to an old address on XXXX XXXX in XXXX XXXX, an old attorney who does not represent me any longer. Which I told them on the first call. XXXX  was XXXX  and XXXX. Again breaking and violating FDCPA. She believes this fake debt is way more important than being cordial to her fellow humans. She acted as if I robbed a bank or something and was evading arrest. Her tones were all around lawbreaking. I will have my attorney pull their call records. No problem. ERC and all Collection Agencies are a menace to Society and break Federal and State laws on an hourly basis all across the Nation. They fake collect on Unverified, documents. They harass and harm society as a whole, without having any official verification of the debt in the way it should be done. My call began at XXXX XXXX  this morning Monday XX/XX/2021. Her agents did not tell me that I would get a letter from then once they researched the fake claim. I only heard that from her today on this call. I asked for the XXXX letter though, which she refused. I warn them to tread very lightly with my Credit Report, and to think twice before they report this after it was REMOVED. XXXX XXXX XXXX. The Consumer Financial Protection Bureau has been notified of their behavior as will other entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: LEXISNEXIS
State: MS
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 notified LexisNexis that they illegally obtained and furnished data to XXXX  in regards to a bankruptcy. This information is inaccurate and false and needs to be removed immediately!!!! 
I spoke with Agent XXXX about this matter and she acknowledged on a recorded line that the bankruptcy information was inaccurate and needed to be removed! She supplied me with case number XXXX to follow up with my dispute and removal of the falsely reported information. The bankruptcy courts do not report to credit reporting agencies and have provided information via an online statement that says that they are not a data furnisher!!! This is a clear violation of 15 usc 1692e!!!! This also violates 15 usc 1692d and 15 usc 1692g!!!! LexisNexis is civilly liable to pay XXXX per violation according to 15 usc 1692k!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been contacting Transunion explaining that someone has attempted to open accounts in my name creating a ton of Fraud inquires on my credit report. When I call to speak with someone, they tell me I need a police report or an FTC report which I have mailed several times with no response. I know that is more than normal and I can't even fit them all on one FTC report. Please help me because the representatives are not.

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 2019-08-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 Loans that have been recently bought out by Loancare. I have made a total of 4 payments thus far. For some reason on my most recent bills, the first two payments made are missing in the Transaction Activity. No one from loancare/XXXX XXXX can give me an answer - and the money was in fact deducted from my bank account. I was told by a customer service rep to reach out and attach my bank statements as proof of payment which I did and then to call back. I called back and they told me I might receive a call back in 3-5 days - but if I don't, to call in a week.. I need this sorted as we paid our payments well on time. I do not want any missing payments or late payments on my credit report. I also have the payment confirmation emails dated XX/XX/2019 for both loans if you need those sent over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX cancelled policy and I had contacted them that I would have their money the next week. I also explained that it was due to job loss. They proceeded to cancel policy and did not inform me that they were opening a new one. I wasn't able to drive because I didn't have insurance and I had to open another policy to use my cars.

This is a fraudulent charge and I tried to speak to them about it, but they did not get back to me ever.

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 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Shows an account that was opened with bank of america and closed in XX/XX/2017. I have never opened an account with bank of america before. It shows account was paid in full with a charge off amount of XXXX. 
This is preventing me from opening up a checking account and need to have it removed as it is an error or someone has used my information.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
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 remove this information from my credit report, this affects me a lot, I don't want to have it. 
DEPT OF ED/XXXX - XXXX DEPT OF ED/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
my Credit Card Score got down starting of XX/XX/2022. I suppose the cause is the 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 2020-10-27
Company: Tribal Lending Enterprise, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off a loan with Mountain Summit Financial , Inc. in the amount of {$1500.00} on XX/XX/20. When a representative, and subsequently a supervisor was asked the interest rate on tbe loan, they said repeatedly they did not know ot have access to the loan interest rate. They asked that I look it up myself. This is poor customer service, and upon being asked, a loan company should be able to disclose this information to a customer. I am concerned that they are failing to disclose. vital loan and interest information to customers. The supervisor I spoke with was XXXX XXXX This should not be happening to any loan customer. I was very dissatisfied with the verbal transaction that took 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