BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
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: Their investigation did not fix an error on your report

Complaint:
I am a 100 % combat XXXX veteran, Navient ( my account Number XXXX ) has been listed as paid charge off, I am a XXXX veteran, the military paid this account because I was XXXX and therefore was not a charge off. this was taken off my report t XXXX time as the other XXXX XXXX have reported. they are insisting that this is a paid charge off, do I need to sue them, I will, I'm sick of equifax, their unwillingness to take this off cost me a personal loan I was trying to get. please let me know how I need to proceed with this unfair company. I can not help that I was injuryed in a XXXX XXXX, I can not help if the Government was late paying, thats if they were late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address.

The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.

The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
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: Old information reappears or never goes away

Complaint:
The account for Child Support was placed in collections in the year of XXXX, I have filed multiple disputes and written letters with TransUnion and the account continues to reage. Now its showing on the report as closed but negative it was closed then replaced back on report with late payments Therefore this account should have been removed no later than 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 2021-04-24
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Iv been a vikum of tdenty theft sens XXXX I got out XXXX  XXXX XXXX rollers was stolden out atm juge did not stop payment found guilty got out XXXX been paying on this sens then XXXX month trued to filled small clames XXXX in need of money 's with this coronavirus going on moved to XXXX arizona was were I was born XXXX and houked up a Post and scan mail box because was beening harassed by ssa employees and law no nosey showed up at the place mail was lost stolden bank account was clouesed and now got to go to ssa to fix it open new po box and found frod on my berthcatefiket XX/XX/XXXX and names and dates that was stolden at XXXX  years old that just got back in XXXX  no in 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 2022-08-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 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 In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 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 In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 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 2022-08-25
Company: Student Loans Consolidated, Inc
State: IL
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:
When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through XXXX  XXXX XXXX 2022.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-20
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial has the worst telephone customer service because they just make excuses and try to place blame on the consumer. They have no empathy and offer no solutions. When asked to speak to supervisors their employees say that their is no one above me. 

On XX/XX/2018 I was contacted by GM Financial to make a payment that I was 27 days late on an auto lease payment that was due on the XXXX. I did not have my bank account information on me at the time and so I came home and made the payment online and also changed my bank account information. The reason that I was late in the first place is because I changed my bank account and had closed my old bank account that was linked to the lease account on a reoccurring payment plan ( ACH ). I changed the XXXX XXXXk account information to the new bank account that I had established for the one time payment and also for future payments which I also thought was changing the ACH account. 

I just so happened to be looking at my GM accounts again in XXXX and then noticed that the automatic payment had not been pulling. I immediately made a payment and called customer service. Customer service told me that in order to establish a new ACH account that I would have to send a cancelled check and an automatic payment enrollment form. She was wrong because I successfully set it up without having to do that. I just went online and set it up as I thought I had before. The issue was that the reason it had not gone through before is because customer service first has to remove the original payment account. You would think that as a multi-billion dollar organization they would have a streamlined process in order to change the automatic payment details on your account. Aside from that the customer service representatives make no effort to properly inform the customers of the steps needed to change this as the first representative that I spoke to in XXXX made no indication that I had to do that. 

My XXXX has gone down from a XXXX credit to a XXXX average XXXX score with the three different credit bureaus and GM Financial gave me a fax number to write to dispute their reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08
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: Information belongs to someone else

Complaint:
About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my  wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of 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 non-monetary relief
Consumer complaint received 2018-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 contacted the three credit bureaus pertaining to inquiries on my credit report that I did not authorize. they claimed they cant not dispute hard inquiries and they remain for two years. this maybe the case if I authorized those inquiries myself, however I did not authorize none of them. they credit bureaus told me to contact the creditors and explain it to them, which I did. they claimed it was me but when asked were they there when the credit was ran with me in front of them with my id? they claimed no. so anybody can get someone's information and use it over the phone or online to obtain good. I was told by the creditors to reach back put to the credit bures to see if I can dispute it. so all and all I am getting the run around and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've filed a dispute with Transunion and XXXX requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than XXXX  years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were XXXX years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by 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 explanation
Consumer complaint received 2018-09-08
Company: SUNTRUST BANKS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After Suntrust bank purchased our home loan, we found out that only the primary loan holder can have an online account with access to a mortgage that my partner and I share. She is listed as a co-borrower but we have equal ownership of the home. 

This is an issue because both of us need to independently be able to access the account. We are equal borrowers on the loan and it is ridiculous that only one of us can create an account to access loan information online. Especially since we each were able to have login information prior to Suntrust purchasing our loan. I have called the Suntrust customer service number 6-7 times now from XX/XX/2018-XX/XX/2018 to file a complaint about their online banking system. On XX/XX/XXXX I was told that my case complaint had a Case ID of XXXX by a girl who listed her phone extention as XXXX. On XX/XX/XXXX I called back and no one could find record of that Case ID, which leads me to believe that a case complaint was never filed. When I asked a different representative to file a complaint they said they couldn't do so because it was Suntrust 's policy to only allow the primary loan holder access to the online account, even though, again, my girlfriend and I are equal owners of the loan. 

I emailed their customer service team online about the issue on XX/XX/XXXX and still have not gotten a reply.

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 2018-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio recovery, a collection agency I have never had any contact with at all of any kind, is reporting a debt to the credit reporting agencies in the amount of {$3600.00}, as of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/2018 XXXX XXXX made a hard inquiry on my TransUnion credit report without my authorization. On XX/XX/2018 TransUnion confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what XXXX XXXX is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 checked my transunion credit score on various sources on on XXXX and my transunion score was XXXX XXXX even XXXX something I believe at one point.

Then applied for a loan at XXXX  and now the score is unavailable online and I was rejected for the loan and they only give me feed back of a transunion score of XXXX.

I was just at XXXX or higher when i applied how did it go down? I didn't miss any payments in fact I paid off my credit card. I only have 1 card left. I don't understand my credit is not even that bad.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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 2019-05-23
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifazx and XXXX are reporting that my credit score is being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XXXX XXXX. 

I called Equifax complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XXXX / XXXX of XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Movement Mortgage LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was advised the day before my dead line that I wasnt going to be able to move forward with the purchase and I wasnt able to get my denial letter from the mortgage company, therefore hindering me from obtaining my deposit back from the XXXX .... the mortgage company manager stated that the loan officer had removed my application from their system prior to leaving the company so they cant provided me with any documentation. My deadline was XX/XX/XXXX and my loan officer told me on XX/XX/XXXX to pull out! Giving me no time to react with such short notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Bull City Financial Solutions, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of  my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.

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: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX / XXXX XXXX Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: MI
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 is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.

Company response to consumer: Closed with explanation