BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been monitoring my credit for awhile now and today noticed a collection account placed on my XXXX report and as of today this is the one report this fraudulent account is on at this time. I do not have online access to my XXXX XXXX report online so I can not verify if this fraudulent account is on this report or not. Please investigate immediately and remove from my credit report immediately. I do not know of this debt, what it is in relation to nor do I now who this company is but I do know that I have not done business with them. This account is fraud and it is damaging my credit. I need it removed immediately. I tried reaching out to the company but they are unwilling to assist in this matter. I will also be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XX/XX/2022 I received a hard inquiry on my credit report from XXXXXXXX XXXX XXXX I have called the company twice to report fraud and both times they agreed to send a letter to all the credit agencies to get this fraud inquiry removed. I have called all agencies and they said they have not received anything from this company. They stated I must fill out this report or they will not through the " Fair Credit Reporting Act '' remove this 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 non-monetary relief
Consumer complaint received 2022-09-04
Company: FIRST ADVANTAGE CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a job at XXXX '. On Monday XX/XX/XXXX, I was interviewed and hired on the spot. On Tuesday XX/XX/XXXX, I was emailed a request by third party First Advantage, to provide answers to questions pertaining to a consumer/criminal background check, through a link they provided. It started off asking criteria for addresses for the past 8 years. Since I lived at my current address for over 8 years, I used only one address, my current address. Usually, when companies asked for addresses, they ask for 10 years, and do a criminal background check going back 10 years. 

First Issue, fraud, deception and Not Full Disclosure : First Advantage included incorrect information on my file, going back 24 years. The criminal background check for XXXX, through First Advantage, included an 8 year criminal check. Then they ask for misdemeanor, felony convictions. I had a misdemeanor 24 years ago, which I disclosed, and First Advantage agreed that the background check would include 8 years worth of search, but deceived me. They should have asked for 24 years of information, addresses and searches, if they wanted it. 
Additional failure to disclosure/No space to type response Second : They did not give me sufficient time, and typed space to provide more information about the background information they inquired about. In fact, only one sentence, 75 characters could be typed. I was supposed to be given 7 days to get the information to First Advantage, but after a day, I received a declined offer from the employer. If I needed just 1 day to get the information back in, then it should have been provided and disclosed properly. 

I was required to get a police report for an allege offense in XXXX, which is unreasonable. To get any offense report, you need the date, time and address. Supposedly it happened in XXXX, when I was arrested getting my license renewed at the XXXX. That date would be a good guess, because I was not involved. It is a mistake of false witness identification and that was the difficulty obtaining it. Still, First Advantage gave me 7 days to try, but did not communicate this with their client, XXXX 's, who rescinded the officer before the 7 days had expired. 

First Advantage is a fraud, and deceptive company who set criteria of 8 years for criminal searches, but goes further in the past than that. In my case, they went back 24 years, which was not disclosed on the criminal background questionnaire sheet. My understanding that for background checks purposes, information older than 10 years can not be disclosed to the hiring company, per federal law. 

This is fraud, deceptive business practices, and a clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: HI
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 BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, EXPERIAN AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. XXXX OR EXPERIAN, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
My information was breached from Equifax without my consent, impacting my credit and allowing others access to my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony bank harasses me for another person 's bill, harasses me in person and slanders me for not paying when the charges are in dispute someone elses account on my credit report slandered and harassed over dispute

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 2019-11-30
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
they call before XXXX XXXX and XXXX XXXX, They call at XXXX XXXX through XXXX XXXX XXXX   They never leave a message. also when I try to talk to them they hang up. XX/XX/2019 through today XX/XX/2019,

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 2019-07-19
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-09-04
Company: CCS Financial Services, 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:
I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Credit Collection Serv XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: IN
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  Re Account # XXXX, and, Account # XXXX. 
XXXX Now Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 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 a 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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX done for a tooth I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus TransUnion, XXXX, and 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 2022-09-04
Company: Aargon Agency, 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:
XXXX XXXX XXXX keep reporting interest on a charge off account. U have requested a debt validation which was ignored. Every month Im billed interest rate on a closed account. Ive tried disputing with credit bureaus and always comes back as verified. This account reporting is deceitful and need to be checked out asap. This company has already had finalized deal with my insurance when I had an accident with supposed vehicle.

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 2021-01-27
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX ( XXXX ) did a HARD INQUIRY in error in Equifax XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX confirmed done in error and sent ltr XX/XX/XXXX to me confirming this and that " we have sent a request to the approrpirate credit reporting agency ( Equifax ) to DELETE our inquiry ''. Equifax never removed it - I have done 2 disputes w/Equifax asking them to remove - they stated NEVER got communication from XXXX to delete and closed both disuputes. XX/XX/XXXX XXXX did a 2nd req to delete ( I have ltrs confirming both of XXXX 's request to delete ) and it is still there. Did another dispute w/Equifax and it's still there. I have talked with about 15 people @ Equifax and spent probably 30 hours on hold on talking w/Equifax and they just say " we have nothing from XXXX XXXX  to delete it. Do another dispute ''. I'VE DONE 2 w/no results except they close them. I have XXXX msgs. w/Equifax and they continue to say they'll look into and call me back but they never have. XXXX says they've followed their ususal protocol to remove a hard inquiry from a customer 's Equifax reeport and there's nothing more they can do if Equifax continues to say they haven't received anything and Equifax says they can't do anything because they have nothing from XXXX to remove the hard inquiry. BEEN FIGHTING THIS FOR 3 MOS! I may apply buy a new home this year and want it removed from my credit report so it won't affect my mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
My BMO card was charged {$900.00} by a transportation service i never used, i spoke with a representative about this matter and she me why did i give them my card and that the company could always charge my card if they have it on file without my permission. i immediately ask for a supervisor she told me that this was not the case and they would dispute the charge and cancel the card. i have been paying this account every month and still have yet to receive the card. i check the account and it was over the limit. i called back to ask for a supervisor and was unsuccessful in doing so. now this account is being marked late despite it being paid every month. I have called again and i am still waiting on a supervisor. This is a disaster!!

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 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my personal credit information. I was affected by the recent Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 reviewed my consumer report and noticed that I have late payments on accounts that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX. XXXX XXXX Co XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX keep reporting interest on a charge off account. U have requested a debt validation which was ignored. Every month Im billed interest rate on a closed account. Ive tried disputing with credit bureaus and always comes back as verified. This account reporting is deceitful and need to be checked out asap. This company has already had finalized deal with my insurance when I had an accident with supposed vehicle.

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 2020-12-13
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hayt Hayt Landau PL. filed suit for a " Debt '' they claim is owed to them. There have not been any contract entered in with such company ( except notice mail. later ) and by attempting to " collect '' are in violation of a default notice ( certified letter XXXX sent asking them to show verification or validation or cease actions. They failed and now have filed a suit. 
Their claims are invalid and are of a fraudulent construction. All details are not revealed making them further incorrect in their claims. They also have not told the price they bought consumers debts for.

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 2023-08-01
Company: CrossCountry Mortgage LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They have maliciously made sure to send the letter one day before the due date for the payment to be processed from my account. I have been approved for a forbearance and should not be charged until XXXX. 

I had double checked with them twice in the beginning of this month and they had promised the payment wont be removed of my account. 

I was lied and cheated. 

I lost my job and we are struggling financially. 

I have begged and pleaded both the mortgage company and my bank. No one is helping me. 

Please help me and my family.

Company response to consumer: Closed with explanation