BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2018 I sent out a certified letter to TRANSUNION in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Transunion 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.

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 2018-02-08
Company: Sterling Infosystems 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: Old information reappears or never goes away

Complaint:
Background Screen Report (submitted XX/XX/XXXX) XXXX XXXX XXXX has reported information that is inaccurate including negative information that is more that 7 years old disallowed by the FCRA for reporting outdated negative information in a background screen report to my employer.XXXX XXXX XXXX background screen report to same employer submitted on XX/XX/XXXX appropriately excluded this information as required by law. Please see attachment.XXXX XXXX XXXX XXXX XXXX did not provide me a copy of Background screen report as required and requested for the Background Screen Report submitted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX has reported to the credit bureaus a debt that does not belong to me. I called XXXX XXXX XXXX  and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

Experian and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have opened BBVA checking and savings account. I had XXXX cents as a balance in my checking account. 

BBVA had made it really very difficult for me to close this account. I can not send the XXXX cents via XXXX ( as it charges {$3.00} fees ) or via Bill pay ( Bill pay doesn't allow this less amount ). I can not pull from other banks also as it's such a small amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Modern Adjustment Bureau
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collection to Modern Adjustment bureau ( XXXX XXXX XXXX ) was settled in court with no monetary damages owed by XXXX Superior Court. I have document to show and prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am behind on a payment on my loan with One Main Financial. I specifically put in writing and requested they no longer call me at work. The branch manager agreed in writing and said they would remove my work number. They have started calling me again at work and even left me a message on my work voicemail. The dates this occurred was on XXXX XXXX XX/XX/18, XX/XX/18, XX/XX/18, at XXXX XXXX, and today left a voicemail at XXXX XXXX  today. Their contact information is below. They have my cell number and have also been leaving multiple messages a day on this voicemail as well. 

Branch Manager : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. Signed closing documents on XX/XX/2021. 
2. My XXXX mortgage was to be paid off XX/XX/2021. As of today, XX/XX/2021 it has not been paid. 
3. I was to receive settlement funds, wired to my checking account. They have not been sent.

4. Interest is accruing to both my old mortgage and my new mortgage. 
5. Lender, Quicken Loans, did NOT contact me to notify me of any issues. I had to contact them to report their errors.

6. Lender told me they will look into the issue by sending it to an analysis department.

7. I told lender to call me by noon today to inform me of the status and resolution.

8. Lender has not called as of noon.

9. If there was an issue, lender should have immediately notified me. I should not be responsible for notifying them. 
10. Lender violated their financial and statutory responsibilities.

11. Lender 's actions are abusive, irresponsible, and possible criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: AZ
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:
First I want to say I had filed bankruptcy in XX/XX/XXXX. 

For the last 5 years I have been trying to get my credit score up to a higher level. 
I was doing good until yesterday. 
I received an email from Experian stating my credit score had changed. When I went into their website I saw that my credit score had decreased by 18 points. 

On XX/XX/XXXX my score was XXXX, then On XX/XX/XXXX it dropped to XXXX It took me years to get to the higher score only to have been dropped down to the lower score.

Absolutely nothing had changed in my circumstances.

There was no explanation, I spent over 2 hours on their website trying to find out why this had happened but to no avail. 
I called the number on their website but it was all automated and I couldnt speak with anyone. 
There were no circumstances that would have caused this massive decrease, in fact, by the end of XXXX I had paid all my credit cards in full. 

I am hoping you can find out why my credit score went down so low, if there is a reason shouldnt I be told what it is so that I can at least, try to resolve it? 

Thank you so much for your attention and I am really hoping you can help me find the answer. 

I can provide any information you may need in assisting me. 

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED 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 2017-09-25
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was advised to consolidate student loans and PLUS loans, which I am now told do not qualify for any of the income-driven repayment plans. The only option is a calculation based on the outstanding balance, regardless of my income or expenses. 

The only reason I consolidated and switched to this servicing company was to participate in the income-based repayment, which they told me I was doing. Only today did they advise that I am not eligible because a portion of the consolidated loans is PLUS. 

During the first year, they apparently miscalculated or had me in the program they now tell me I can not participate in : my payment, based on my income, was $ XXXX. The new payment, based on the new program/formula, is $ XXXX XXXX impossible to pay ). 

This is 25 % of my take home pay, before any expenses are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report, I have found that Portfolio Recovery has made unauthorized soft inquires on my credit. They are as follows : Per XXXX, Portfolio Recovery made soft credit inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per XXXX, Portfolio Recovery inquired on XX/XX/XXXX. 

I was in collections through them for an account, but the statute of limitations ended in XXXX. Since that time they have neither contacted me via phone or mail. Their contact information is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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: Account information incorrect

Complaint:
XXXX just responded MY PREVIOUS CFPB COMPLAINT and said due to my XXXX  impact they would remove all negate reporting and late fees and my best payment would be due XX/XX/11. Well, my reporting for Transition just reported out 90 days late while XXXX reported current!!! My husband died from this XXXX  and I can not get a loan to pay for his fureral because of my credit!! Also - they 100 % failed to acknowledge the fact I am one person who no job because of COVID with XXXX kids. I do not have {$190.00} by XX/XX/11. I can not not even do Christmas for my kids. I asked for XXXX to settle this account with me at a reasonable amount! Most of what I owe is interest anyways! I am waiting on unemployment which who knows when that comes in and that is going to hardly cover my bills let alone leave extra to take care of my family. I hope to be able to afford {$50.00} per month which is what I was paying before loss of job and COVID. XXXX is the only company that has worked out this sort of arrangement with me! They took my interest to XXXX and settled my account! THE CFPB needs to take action and make these companies help was people are have no control over what happened! These companies only care their income and not about the people!

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 2023-04-02
Company: Servicing Solutions, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I never actually refinance my car with this company but they are showing credit reporting on my fico/ XXXX account. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is reporting a credit card account with XXXX as collections/charge off, see attached report. This is not so, XXXX XXXX was given this account for collections but stop collection attempts, see attached letter. this account should be reported like the 2 other reporting agency 's closed/charge off instead of collection/charge off. I have disputed this with Transunion with no success. I have suffered a financial loss because of this reporting. Please correct

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 2021-11-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND CREDIT MANAGEM XXXX still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is 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 re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I had a XXXX XXXX card in my name only and lost it in XXXX in XX/XX/22. Capitolone.com closed the card and opened two different cards through their company called Venture One Credit Cards. Problem : Each time I make a purchase my husband who is not on either account, is notified of the transaction. Capitol One has been notified and I have gone to the technical support division but they have no data of his phone number ( XXXX ) on my new cards, yet they continue to notify them. I told them that they most likely transferred information from the old XXXX XXXX card and would need to access their archives to correct. Violation of my personal and financial privacy. Remains unresolved. I have spent on various occasions in access of 7 hours by telephone attempting to rectify, yet he is still notified of every purchase I make. They notify on card number XXXX and XXXX via push notifications through phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : 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 

These accounts and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. I am requesting to permanently remove these accounts and 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 2023-01-04
Company: EQUIFAX, INC.
State: GA
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 the Fair Credit Reporting Act, XXXX XXXX XXXX, regarding account number XXXX XXXX in the amount {$78.00}, has violated my rights. 

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 also states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: CA
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 the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-12-04
Company: EQUIFAX, INC.
State: NJ
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX/XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Lewis, McDonnell & Associates
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt on my credit was fraudulently put on that was not me I was a victim of identity theft and I would like it fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Collection Management Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation