BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2015 XXXX XXXX XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2019-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Monday XX/XX/19 I tried to access my business checking accounts with no success. Customer service could not locate my business checking and saving accounts, debit card, Tax Id, online user ID. All my information were gone. At the branch they made a phone call and were able to locate ONE of my checking accounts. I was given a case number. I called and they were able to locate my other two accounts. Unfortunately I was told I would not have access to those accounts for 3-5 business days. My online banking was reset and I lost my saved info for the last 10+ years. 

Bank explanation : Internal Error The bottom line : I can not access my own money in my own accounts. 
I still have bills to pay and loans due. I was also scheduled to close on a big expansion for my business. Information were needed from those accounts which I could not access. My expansion loan is now postponed and I might end up losing the whole deal. 
Customer service at the bank tried his best but the system wouldn't let him bring back my accounts. CASE NO. XXXX Please help. This is so wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus XXXX XXXX XXXX EXPERIAN ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. EXPERIAN don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And Experian well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( TRANSUNION. XXXX XXXX ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on XXXX   went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and XXXX put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call XXXX about my credit? Now XXXX  has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! TRANSUNION has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX  they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX  with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great XXXX  who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness

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 2018-03-29
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2016 XXXX XXXX XXXX CT- XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed now with the bureau 3 different times and with no response from them any time. This is also the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion. The dispute number was XXXX, which in response to that, TransUnion stated they would begin the investigation and forward me the results ; that was on XX/XX/2020 that they responded and I have yet to receive anything from them! While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.

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 2019-03-13
Company: EQUIFAX, INC.
State: CA
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: Received unwanted marketing or advertising

Complaint:
Today, XX/XX/2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website. 

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Westwood Legal
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called Westwood threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with 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 2021-10-06
Company: EQUIFAX, INC.
State: MD
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 involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: JH Portfolio Debt Equities, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never open or purchase anything from JH Portfolio Debt Equiti, they are reporting me as being in Collection in the amount of XXXX $ which is false reporting because I never did business with JH Portfolio. Presently I have a 100 percent payment history and this false reporting is causing my credit score to be low and I am unable to obtain loans. Please help me to get JH Portfolio removed from 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 2019-08-21
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/19 speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX  or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for XXXX  minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX  with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: MI
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:
Compnany Equifax was negligent in his handling and security of critical financial data, leading to compromise that will likely affect nearly all adult Americans for the duration of their life or until current credit standards are changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed an account that XXXX XXXX/ Comenity placed on my XXXX, XXXX , and XXXX credit reports. This account is a duplicate of a XXXX XXXX XXXX account that is also on my credit report. I received a letter by USPS in the mail dated XX/XX/2020 from XXXX stating that I had already paid them {$150.00} ( 6 payments displaying for 2020 ) and that I should continue to pay this debt. I have never had any contact with XXXX and this letter represents 1st contact. I'm sure the impetus for this letter was my current credit dispute. To be clear : I HAVE NEVER PAID ANY MONEY TO XXXX as they are reporting by mail and wire. I have continued to pay Comenity and will provide the ACH/ Wire information regarding these payments. I have no familiarity with XXXX and their involvement in this account and the XX/XX/XXXX statement represents first contact. This is clearly an FCRA violation and possibly fraud by mail and wire. 

It's unsure if Comenity is aiding XXXX in committing consumer and credit fraud or if they are victims as well. XXXX has continued to report the duplicate account monthly by wire and mail showing payments to XXXX. XXXX could only claim the reported information and the lie associated with it, if receiving information from Comenity. It seems that both companies are conspiring to violate FCRA rules by duplicate, inaccurate, and willful fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: ID
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 authorized XXXX 's XXXX XXXX in XXXX Idaho located at XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX to pull my credit report from XXXX XXXX XXXX XXXX, and that they would come to me prior to going to other lending sources. I made that very clear to the finance manager. What they did is go to 12 plus lenders without my consent. I have made it very clear on how I feel regarding this. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax Report. 
On XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX  XXXX company placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been affected by the XXXX pandemic. The bank is trying to take my house. I am in the process of short sale. The bank has been giving me the run around. Please help me. I have been affected by XXXX. I will like to enforce the force majeure clause in my contract. 
Please help me stop the bank from taking my house. 
I am a senior citizen too. My husband and I are retired. 
Please help! 

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