BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
SOMEONE USED MY CREDIT TO BUY STUFF WITHOUT ME KNOWING

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 2022-08-10
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022

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 2022-08-10
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Services at XXXX XXXX Hospital XX/XX/XXXX Bill received {$34.00} XX/XX/XXXX Bill paid via check # XXXX XX/XX/XXXX Check processed, verified via bank XX/XX/XXXX Bill again for same services {$34.00} XX/XX/XXXX Called XXXX , spoke to XXXX about bill already paid, said a search would be run XX/XX/XXXX Received notice of Collections for {$91.00} from XXXX XX/XX/XXXX Attempted to call Nationwide spoke to XXXX who could not help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account twice through XXXX, twice through XXXX XXXX, twice through Sequim Assests ( the collection agency ) and twice through XXXX XXXX XXXX which is the company that created the debt. When I spoke to XXXX XXXX XXXX in XXXX they opened a case and confirmed that the money was not owed and closed the account. I followed up with both the debt collector and XXXX XXXX.. it has been over 60 days and the dispute was still open even though this was an invalid collection account on my report. I again reached out to XXXX XXXX XXXX where they confirmed a SECOND time that the money was not owed. This account caused my credit to Drop by over 50 points and it was put on my account in error. Everyone I talk to sends me to someone different. I was under the impression if you put in a dispute and no response is received within 30 days from the collector wthen the account legally has to be closed. I am upset because it has been over 2 months and it is still not resolved. This is unfair for people like me who are working very hard to try to increase my credit score for home buying options

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is the 3rd complaint I had file againt PORTFOLIO RECOVERY # XXXX I never recieved any information from this company or notifaction concerning this account. I have never heard of this company and never done any business for service, contracts or products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the 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. Please remove the following accounts completely from my Credit Reports : Charge off XXXX XXXX Balance : XXXX XXXXXXXXXXXX  XXXX Balance XXXX {XXXX} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX  and Transunion apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX seems to have a higher score with a 46 points difference. XXXX and Transunion are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are 20k-30k less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. XXXX  and Transunion are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.

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 2018-01-24
Company: EQUIFAX, 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:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/XXXX. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :  XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXXXXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: NC
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 called XXXX and Experian, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.

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 2017-10-03
Company: EQUIFAX, INC.
State: KS
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 family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent Equifax, XXXX, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First contacted XXXX, XXXX, XXXX XXXX and Bank of America about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by Bank of America, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX.  I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked Bank of America to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response. All three credit bureaus have returned these disputes as investigated and as being mine twice now with no evidence or proof I own these debts. No attempt to provide Proof of my  responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and Bank of America does not provide any proof of my responsibility.

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 2019-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I recently purchased a new vehicle and traded in my XXXX XXXX XXXX. The dealership paid off my existing loan with Credit Acceptance Corp on XX/XX/XXXX. I contacted Credit Acceptance Corp after that date and asked when I would get my refund of the over payment. They stated I will have it by XX/XX/XXXX. Not sure why it takes 4 weeks to refund someone an over-payment when they have it all on their books effective XX/XX/XXXX. 

I called about four times through last week asking about my refund and they finally told me that it was {$540.00} approximately. I asked when they check was sent they stated XX/XX/XXXX. They also sent a separate document that laid out the payoff. I received that document via regular mail on XX/XX/XXXX. The check was not included in that letter. I called Credit Acceptance Corp again and they stated that letter comes out of a separate department than my refund check but they were both sent the same day. To this day I still have not received my check. 

This complaint is being filed because they have had my money for over a month and continue to tell me its in the mail when its been 12 days and I still have nothing, it should have arrived the same day as the other document. I am starting to thing they are scamming me and do not have the money to refund me. I ask the CFPB to look into this matter to investigate for potential fraudulent activity by Credit Acceptance Corp.

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 2021-08-19
Company: Regional Processing Services
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX Wednesday, XX/XX/2021 Regional Processing, LLC called and harassed me and my husband. Threatened to file lawsuit with local court if I didnt pay something right away. Was very intimidating and used scare tactics. Said would send me email explaining things and I have yet to receive any information.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am complaining this due to inaccuracy. The late remarks varies from bureau to bureau. I cant afford to have a late remark on my credit report because I am aiming for a good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Public record information inaccurate

Complaint:
XXXX, Transunion and XXXX has violated my consumer rights according to 15USC 1681K Please have removed from my consumer credit report asap. 

I have contacted them in regards to my prevention of employment and my consumer rights and they have not budged.

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 2017-10-03
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, XXXX, I noticed a fraudulent transaction on my M & T checking account. I was charged {$1000.00} by a company I have never heard of called XXXX 's XXXX Fix. I immediately called the customer service line, and was told by the representative that the transaction did look suspicious, and that my card would be replaced, and the funds given back to me. 

On XXXX XXXX, I received a letter from M & T Bank, saying that the transaction was not fraudulent, and that they were taking the {$1000.00} back from me. 

I immediately called the customer service line, again, and was told that my card number, cvv, and signature were used in the transaction. Note that the card was not present for this fraud. The representative then told me to submit my work time verification, because I was at work on the day of the fraud, and an affidavit disputing the transaction. I was told if I did this then the case would be reopened. 

I had submitted the time sheets with a formal affidavit to dispute this fraudulent transaction, and have not heard from M & T Bank since. 

At the time of the fraudulent activity at XXXX 's XXXX Fix, I did not own a vehicle. M & T has since threatened to close my account and give me a " unsatisfactory '' on my record because the fraud has left my account negative. 

This transaction is not legitimate, my money was stolen, and M & T Bank is choosing to threaten and attack me because I am an individual. They have done nothing for me, and have sent me no reply since I have sent them the documents they have requested. Please help, 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