BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I took out an auto loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX. Before moving from XXXX to LA on XX/XX/XXXX my vehicle was stolen. I filed a police report and reported it to my insurance company immediately. XXXX did not pay off the auto loan until approximately 8 months later. XXXX expected me to continue paying the loan while i had no vehicle living across the country. I provided XXXX with documentation of the police report and the insurance claim as well. XXXX and XXXX have removed the account from my report. Transunion has not removed the account despite the fact that ive disputed it several times. XXXX will not fix the issue either. It is unreasonable to expect me to pay on a loan when i didnt have any means of transportation. XXXX XXXX who is in charge of the loan reporting for XXXX claims that XXXX is reporting correctly to transunion and is unwilling to change the reporting status to " closed - paid as agreed ''.

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 2022-03-30
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2022 I sent a letter to Ad Astra Recovery Service because I noticed a collections account on my credit report that is damaging my score and ability to obtain credit significantly. I reviewed my report and found several discrepancies across all XXXX credit bureaus and submitted XXXX letters to each bureau/party respectively . One initial letter to verify debt and a second letter pointing out all errors which included the account being continuously re-aged, reported as late every month while being charged off, and showing up as a loan reporting late each month while reporting as a collections account at the same time. I have read up on the FCRA and I know that this is NOT legal. Furthermore on one report the account would show late by 30 days before being in collection and another account late by 120 days before being charged off/sent into collections. They were extremely all on different ends of the spectrum. I also contacted Ad astra recovery and asked them to produce the original hand signed contract along with a copy of their license to collect debt in TN. I requested this license due to the very unprofessional and unethical way they have conducted business and continue to handle this situation. I asked for these documents to which they have not produced and continue to send me a obviously automated response. I sent them a letter last week and received the same automated letter that I will attach if allowed. In my last letter I stated that if they did/could not produce this evidence, along with a copy of their license in compliance with the FCRA then to remove this account off my credit report with all 3 bureaus. They have continued to ignore my request therefore in my latest letter I notified them that if this lack of communication continued I would be contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Ditech Financial LLC
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: Account information incorrect

Complaint:
I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because Ditech is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 TransUnion 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 XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection : XXXX - XXXX {$1900.00} -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 2021-12-07
Company: CORELOGIC INC
State: IL
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2018-01-19
Company: Experian Information Solutions Inc.
State: SC
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:
In XXXX of 2018 I submitted a letter to Experian about unauthorized inquiries on my credit report, they sent a letter back saying these inquiries were VERIFIED. I would like to know how they verified this information, because I didn't give anyone permission to pull my credit

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 2021-12-07
Company: EQUIFAX, INC.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo is still doing deceptive banking in 2018 On XX/XX/XXXX 2018 I applied for a Wells Fargo credit card. I was approved and 5 days later ( before ) I even activated the card they WITHOUT AUTHORIZATION did a balance transfer to that card and charged me a fee of {$180.00}. I never authorized this I only applied for a new credit card at their bank. Within the cc application they asked two questions which had to be answered to move the application forward : What is your interest in applying for a Wells Fargo Card : I said, I might be interested in a balance transfer What account would you do the balance transfer for : I tried to leave it blank but the application would not go through. I tried to use a catch all phrase like a " a XXXX XXXX account ''. Again the application would not go forward. You had to give Wells Fargo an Account number for the application. Three days later they did a banking transaction to the account number forced in my application without my permission. Then they charged me a fee of {$180.00} dollars to do it. Wells Fargo is still doing their deceptive banking tactics!!!!!!!!!!!

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 monetary relief
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX sc XXXX XXXX A, states I have the right to privacy. 

XXXX XXXX sc XXXX XXXX A, states a consumer reporting agency can not furnish a consumer report without written instructions from consumer. 

In accordance with the fair credit reporting act the accounts on my credit report have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-06-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia 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 2021-05-10
Company: Synergetic Communication Inc
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021Balance : {$7700.00} Discounted amount : {$1100.00} Payment due by : XXXX Account # XXXX Company claims I will be getting sued. This isnt even on my credit report. Ive disputed this off of my credit report and it came off years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: AR
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 has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receive notification from a different organization that I have an outstanding debt with Bank of America that posted on my credit bureau report. Account : Bank of America # XXXX. I went to several branches to validate if I have an account or not. The branch managers searched for my account. I am not able to dispute the account with the credit bureau 's because the account was opened in XXXX and last payment posted was in XXXX. I check all 3 credit bureau agencies and currently the account is not on my credit bureau 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 2020-02-07
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/XXXX, charged off amount for {$790.00}. Wrote the XXXX, emailed the President of the Company. Barclays Bank Delaware has violated the federal law under the Fair Credit Reporting Act section 608 and 611 by reporting after my husband went off XXXX XXXX in XXXX due to combat related injuries. Servicemembers Civil Relief Act was also violated. They have multiple accounts on my husband 's credit report that payments were stopped and balances were adjusted to reflect the Servicemember Civil Relief Act. I submitted documentation showing he was on XXXX XXXX because they had violated the law. This company saw my husband was on XXXX XXXX and documentation was submitted to them via fax. Never reported any late payments until he was released from XXXX XXXX and is completely XXXX. They are also violating the Fair Debt Collection Practice Act by reporting to the credit bureau after my husband went off XXXX XXXX. I have disputed this multiple times with the credit bureau and Barclays Bank is now put the debt as a charge off/collection when in fact they are breaking numerous laws. Barclays Bank needs to be penalized for not abiding by the federal laws that are in place for the consumers. This company continues to violate laws.This company is not veteran friendly. The federal government need to get involved and make sure they are not taking advantage of the consumer especially a veteran who has served his country. They are up on statue of limitations in the state of Virginia as well. The list just goes on and on. They never reported on his credit report when they approved my husband for the Servicemembers Civil Relief Act.

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 2018-01-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
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 credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST 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 2018-01-19
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: Account status incorrect

Complaint:
loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXXthat there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been monitoring my credit reports for the past three months, and over that last few days, a new collection account from Diversified Consultants in the amount of {$330.00} has shown up on my credit reports, drastically dropping my credit score. I have never received any communication from this company -- no mail, no phone calls, nothing, so I am completely unaware of this debt and had no prior knowledge of it. I would like this account removed from all three credit reports ASAP as this information has caused my mortgage application to be declined.

Company response to consumer: Closed with non-monetary relief