BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX XXXX XXXX, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but transunion an XXXX  report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed XXXX is reporting information accurately"

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 2021-04-25
Company: Mortgage Research Center, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
From XX/XX/XXXX until currently I pay no property taxes in Illinois since I am a 20 year retired veteran and 100 % XXXX and have an exemption from IL. I used to pay {$1700.00} until XX/XX/XXXX when XXXX XXXX mortgage started charging me {$1900.00} a month. I was told the increase of {$200.00} was for property taxes in an escrow account they just initiated in XX/XX/XXXX. I have called so many agents at XXXX XXXX XXXX and no one can remedy this problem. This is causing my husband and I great stress as we are both XXXX military veterans.

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 2018-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with PORTFOLIO RECOVERY # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Receivables Performance Management, LLC
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: Personal information incorrect

Complaint:
I was contacted by Detective XXXX with XXXX XXXX PD in CA on XX/XX/XXXX. He advised I was a victim of fraud. Detective XXXX   can be reached at XXXX, Case # wcpd XXXX I am also working with Det. Lt. XXXX XXXX # XXXX with the XXXX  Police Department in in MO. Detective XXXX  can be reached at XXXX, Case # XXXX. I am also working with US Postal Inspector XXXX XXXX  with the XXXX XXXX XXXX XXXX. XXXX XXXX can be reached at XXXX, Case # XXXX. I have also filed a report locally with the XXXX County Sheriff 's Office with Deputy XXXX XXXX. XXXX XXXX  can be reached at XXXX, Case # XXXX. The perpetrator is XXXX XXXX XXXX  who has been arrested and will stand trial for Identity Theft via US Department of Justice, Case # XXXX  Court Docket # XXXX, prosecutor XXXX XXXX XXXX. I understand the file has also been forwarded to XXXX XXXX FBI. As a result of this, I filed FTC Report # XXXX. Included in that report are accounts affected by the crime including fraudulant auto loan or lease XXXX XXXX XXXX, Account XXXX for amount {$72000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Also included was fraudualnt mobile phone account Receivables Performance obo XXXX, Account XXXX  for amount {$3000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Both companies are still reporting to XXXX. I am still trying to resolve this and could use your help please.

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 2018-07-13
Company: Experian Information Solutions Inc.
State: NY
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 am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!

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 2018-02-28
Company: U.S. BANCORP
State: MN
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:
There are two inquiries on my credit report I disputed recently through XXXX XXXX inquiry assist letters to US Bank 4-5 months ago for two different inquiries one of XX/XX/XXXX the other of XX/XX/XXXX and the company has not responded ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling a copy of my credit report i notice that this company is reporting on my credit report and reporting some inaccurate not proven compliant misinformation and i request that this account immediately be removed from my credit report. i disputed this with the credit bureau as well and has uploaded a copy of my letter attaching it to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I contacted TransUnion to advised them i was a victim of their inquiry issue and the representative advised me that based on their information they would not help me take care of the negative inquiries reported on my credit report. I never gave the following companies authorization to run my credit ; XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX/ XXXX XXXX ( XX/XX/XXXX ). The representative was short and didnt want to help me rectify my problem. I thought the credit bureaus werw here to help, but it appears that they rather then keep you as a victim of poor credit because they PROFIT more from those with BAD 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 explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. XXXX HAS FAILED TO VERIFY CORRECTLY OR AT ALL. TRANS UNION AS WELL AND XXXX.XXXX  XXXX XXXX SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX COMPLAINT WAS FILED AS WELL. XXXX  AND TRANS UNION AND XXXX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX and Experian have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.

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 2019-08-19
Company: TRANSWORLD SYSTEMS INC
State: NY
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 just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from XXXX has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently needed to remove a security freeze to apply for credit. I just needed the freeze lifted by the end of XX/XX/XXXXand I planned on using the Equifax website. However, my profile was frozen for no discernible reason with the only visible prompt being a phone number. I called that number on Tuesday XX/XX/2020 and in spite of verifying my identity, the company refused to permit me to change my own security freeze status. 

As a consequence, difficult financial circumstances are exacerbated because Equifax is unresponsive and leaves me unable to apply for new credit. It is now XX/XX/XXXX and after sending the requested documents to Equifax by fax ( there was no way of simply emailing and traditional mail would have been even slower ) I have yet to hear from them and am unable to access any loans or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through 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 2018-04-03
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX I was informed by XXXX XXXX that LexisNexis was showing a claim history for me ( including a {$31000.00} claim in XX/XX/XXXX ) that forced them to decline me homeowners insurance. 

I contacted LexisNexis and found out that they had mixed the records of an XXXX XXXX XXXX with mine ( XXXX XXXX XXXX ). When I asked them to correct this they told me they had 30 days to investigate even though the XXXX XXXX lived in another state and had insurance with a different Insurance company ( XXXX ). Claim number XXXX was assigned Despite dozens of calls and promises that they were expediting their investigation nothing happened. The " fix '' was as simple as getting the other persons social security number to confirm what I told them. I supplied the other persons phone number, address and insurance company as well as people at XXXX who could also have separated our records. 

LexisNexis may be a company most firms rely on but as far as I am concerned they need a big slap on the wrist for careless reporting and then a incredible lack of judgment and concern for their negligence. 

Recently they removed that XX/XX/XXXX claim from my file while incredibly leaving other claims for that same individual in my file. How can this company be allowed to operate when they can't separate two people who don't even have the same name. How many red flags do they need? 

This has cost me hundreds of dollars in insurance premiums as the insurance policy I was quoted became unobtainable. In addition, I have spent dozens of hours and endured frustrating discussions with poorly trained employees I would like them to be fined and I would like to be compensated for their negligence Anyone in my shoes would understand that LexisNexis needs to retrain employees as well as overhaul how they collect, record and file information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: NV
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 personally called XXXX XXXX the first week of XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/XXXX I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/XXXX I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not my account. I have never had any dealings with them, the address listed is incorrect and its a fake charge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Used XXXX through my banking app to transfer money for custom glass art that I was purchasing online. I sent {$500.00} XX/XX/XXXX and then another {$500.00} XX/XX/XXXX but didn't post until XX/XX/XXXX seller told me he received the money and that he would start the custom work and I would have a tracking number in a week and the art work in a week after receiving tracking number. A week went by and didn't hear anything I contact art seller and he informs me he q and s short on material and the art pieces will be done in the next few days and I'll be hearing from him. 3 days go by no phone calls or email so I call and his phone is disconnected and I can not reach him. I used XXXX through my bank and thought it was secure due to my bank offering it as a service no where did they disclose that there was no protection and that I should only send it to people I know personally. I called my bank to try to resolve the issue and they told me there's nothing they can do about it how can a bank offer services without protecting their customers or at least making it clear there's no protection for buying goods though Wells Fargo mobile app using 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 2019-02-20
Company: EQUIFAX, INC.
State: FL
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:
At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score XXXX points because it states that I had a high balance, and missed a payment.

Company response to consumer: Closed with explanation