BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
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:
XXXX  has 2 addresses on my report that do not belong to me as well as 2 XXXX account that don't belong to me. The 2 addresses are : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived in Florida or Tennessee or used A XXXX card in any of those states. I have attached 2 of the XXXX accounts from my credit report. If you look at my credit report you will see I have good credit. There are 2 addresses and 2 accounts the have been on my report now since Covid and XXXX  has violated my Fair Credit rights over and over and they are getting away with putting what ever they want on consumer credit reports. I have asked for this to be removed 6 times now since XXXX and they keep sending a computerized report saying it belongs to me. I know for a fact they didn't do an investigation because I have never lived in either one of those states. They have not sent me any updated reports in the past 2 disputes. I have tried to file a police report about the accounts. It has been impossible and frustrating trying to get something done on the phone. I filed in 2013 because a man tried to open a bank account in my name. I have not been successful at filing a report because of Covid. We cant go to the station and they are not taking calls. I guess my issue is not that important. That left me to filing a complaint. It is already a challenge living in this Covid world but now it has given the credit bureaus more excuses to put inaccurate info on our reports and not correct it. This has caused me tremendous stress and has affected me from living my life because there is something on my report that doesn't belong to me. My chase credit cards were closed because of the 2 XXXX account and XXXX said I has 6 months to get it removed and they would restore my cards. Needless to say they have not removed them and it has cost me dearly. I worked hard to keep my credit in the high XXXX and I had that before the put those accounts on my file. I had my XXXX credit cards for years and because XXXX  didn't follow the federal law I have lost both my cards and they are ignoring that they can not connect me to either one of the XXXX accounts or addresses. I want these items removed from XXXX  and XXXX XXXX. XXXX  removed both accounts and Addresses after their investigation.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED: 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 non-monetary relief
Consumer complaint received 2018-12-23
Company: CU Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Repeated collection letters about debt owed when auto was reposessed and austioned for less than amount owed. 

Lost employment and ability to pay loan after a XXXX in XXXX. Have informed collection agency of inability to pay on several occasions but new collection letter is sent every six months.

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 2019-09-12
Company: EQUIFAX, INC.
State: NC
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 have no knowledge of the following inquiry XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: DISCOVER BANK
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:
So there was an account that was reporting on my credit report from Discover Financial. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: GA
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 sending in dispute letters for about 6 months requesting the company investigates as most account they have listed for me are not mine and/or accurate. I have requested validation and verification from them however they have yet to send me the requested documentation however have continued reporting such information to my file that is harming my ability to obtain credit and move forward in life.

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 2018-06-13
Company: Phoenix Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
PHOENIX FINANCIAL SE is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
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: Problem with personal statement of dispute

Complaint:
We were affected by the Pandemic ... A business  venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business was based on XXXX XXXX in the XXXX XXXX XXXX. 
The Need for this XXXX / XXXX XXXX / XXXX XXXX  is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business  never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to Toyota on several occasions asking for relief with basically no remedy ... Toyota 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. Toyota has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive had fraud happen to me many times. Stating im married when im actualmente single. THE DEPARTMENT OF EDD TRIED USING MY INFORMATION ON THEIR BEHALF. THEY EVEN SAHRED AND EXPOSED MY INFORMATION. IVE LET THEM KNOW ON THAT MATTER AND THEY HAVENT DONE ANYTHING ABOUT IT.

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 2018-06-08
Company: LTD Financial Services, L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that Transworld ( TSI ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because XXXX XXXX XXXX ( XXXX ) was handling this account. 

I spoke with XXXX  and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when TSI is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that TSI is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with XXXX on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that TSI have been contacted with my concern and they were waiting to hear their response. I have scanned them what TSI is reporting and they said they will contact TSI again with this information. 

I am exhausted dealing with this debt that has been taken care of. If TSI is reporting this account then why is XXXX involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
I have late payments that appear on my credit history report for the 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 from American Honda Finance. I have reached out to them numerous times with no resolution. My payments have never been past 30 days late, but they profusely continue to report them as such. I disputed the issue to the credit bureau and in spite of my dispute, they added additional late payments to my credit report. When I called and asked why was this done, they told me that my payments were 31 or 32 days late. I know right. Wow. It's pretty amazing that an entity can be so spiteful about someone disputing incorrect information that they respond with invalid technicalities. This is what I get from a company that I have spent well over {$100000.00} on. I may have learned my lesson this time. These negatively impact my life. Yet, I am sure they do this purposely to ruin my credit and keep me as a customer for as long as they wish because they know I will shamelessly return. And since, I am a returning customer, they give me the benefit of the doubt and approve me with high interest rates and outrages terms. Then, they can dump me like trash and leave my life in shambles while they repeat this cycle consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Experian Information Solutions 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:
I DISPUTED A BANKRUPTCY LISTING IN MY CREDIT FILE WITH EXPERIAN IN XXXX XXXX.I RECIEVED THE RESULTS OF THAT DISPUTE ON XX/XX/2018. EXPERIAN CLAIMED TO HAVE VERIFY THE LISTING WITH SOME UNNAMED COMPANY ( NOT THE COURT ). I CONTACTED THE COURT CLERK AND WAS TOLD THAT AND PROVIDED A LETTER STATING THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF.ON EXPERIANS RESULTS OF THE DISPUTE RESULTS, THEY PROVIDED NO INFORMATION ON THIS UNNAMED COMPANY. EXPERIAN HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE FCRA CLEARLY STATES THAT THE INFORMATION MUST BE VERIFIED BY THE ORIGINAL SOURCE.PLEASE SEE THE COPY OF THE LETTER FROM THE COURT AND THE COPY OF THE DISPUTE RESULT FROM 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 explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a police report of a burglary which resulted in my identity theft back in XX/XX/XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XX/XX/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 2020-06-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CitiBank NA continues to report my account as not current or charge off affecting my credit score and ability to get credit cards. The account was closed and settled back in XXXX. It was a Best Buy card, which I currently have another Best Buy card, oddly enough through citibank, which is current and in good standing. So why this one continues to show negatively on my report is beyond me. The last reported not Current was back in XX/XX/XXXX. Luckily the madness seems to have stopped, but from XX/XX/XXXX to XX/XX/XXXX it was reported as not current/charge off which is incorrect. I disputed it with XXXX and they said it is correct information. IT IS NOT CORRECT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
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:
I currently have a credit builder plus loan with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, Equifax, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX  via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: NC
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 have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
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:
I have inquroea by XXXX XXXX and XXXX XXXX  I never authroize these to do a crwsit inquiry or aign up for credit with them I do not know who they are. I do not have anything at all with these businesses These I inquries are from fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Dovenmuehle Mtg. Company My taxes are paid in full in advance for the year, I pay my insurance separately as in my contract. My payment has been XXXX per month as in my contract and I have never been late. Without any explanation my mortgage went up to XXXX No one can tell me why nor explain to me why. My mortgage is not an Escrow account. I am a Senior Citizen and on a fixed income and I am being taken advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: CO
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:
Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Card Service & XXXX  XXXX are reporting a negative balance on my credit but this debt was included in my DISCHARGED Chapter XXXX Bankruptcy - XXXX docket. 
By law they are not to continue to damage credit and attempt collection of debt after a discharged bankruptcy.

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