BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
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: Account status incorrect

Complaint:
I would like to request for the removal of the erroneous information about my accounts that has been neglected by XXXX Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX ***** Opened XX/XX/XXXX Balance {$2600.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$12000.00} XXXX ***** Opened XX/XX/XXXX Balance {$3800.00}

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 2022-02-15
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to Experian, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.

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 2021-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian not updating credit report after I've submitted proper documents and proof of debt not valid.

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 2017-07-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Do to unforeseen circumstances we had to file bankruptcy in XX/XX/XXXX. The only month we were ever late on our mortgage was in XX/XX/XXXX when Carrington Mortgage stopped our automatic payments without notice. It took us 10 days to realize the payment was not pulled and we immediately made the payment by phone. We chose to reaffirm the loan after bankruptcy and on our XX/XX/XXXXstatement there was a {$120.00} charge but since we were not receiving statements do the bankruptcy they were unable to tell us over the phone what the fee was for. We were told by XXXX ID # XXXX that we could just pay the monthly amount and would not be charged any penalties or late fees on the {$120.00} and to fax a request in writing to find out what the fee was for. We faxed in the request and at the same time faxed in a request to start receiving statements again. Our XX/XX/XXXX statement came in and showed the {$120.00} was a fee for reaffirming our loan, is that legal? They also charged us a {$5.00} late fee for not paying the fee in XX/XX/XXXXalthough we were told there would be no late fees or penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Arco Collection Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement. 

She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me. 

She have caused me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've sent information that was required online by Equifax to get my annual free report and have not received my annual free report from Equifax. A recent purchase agreement I made stated my Equifax score is XXXX. XXXX has my score as XXXX. Such a discrepancy needs to be investigated. XXXX XXXX shows my Equifax score to be XXXX. 
Need help to resolve Equifax reported score of XXXX to XXXX as opposed to Equifax score with XXXX XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: IL
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 reached out to Experian before about someone trying to apply for credit in my name. I have been working hard to improve my credit so I can buy a house in the future. I have taken money management classes and I have learned what I can about credit. The only problem that I have with Experian is the fact that I put a FRAUD alert on my file. I assumed that it would stop whoever keeps running my credit. I thought that they were supposed to call me when an inquire for credit was requested. Yet, I have never received any calls and someone is still ringing up inquires which I did n't authorize. I am afraid that one day in the future they will be able to obtain credit in my name which I do n't want to happen. I woke up  with 10 plus inquires from other CB. I 'm so lost right now, I do n't know what direction to go. I have more inquires that I did not authorize and I would like them removed and also pointed in the right directions on what I should do to completely stop this. I lost my wallet last year and I never thought that it would come back to bite me all over again. There is only ONE inquire out of the 7 listed that I personally did myself because I applied for an apartment since my husband and I separated. These are the inquires that were not authorized by me. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One Bank continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ive had 37 separate unauthorized ach withdrawals equaling {$4300.00} from XXXX XXXX bank from my business checking account with Chase. I do not have an XXXX XXXX or any kind of account with this company. Ive called them several times only to get a total runaround. I have filed a report with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: NC
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 is reporting a late in XXXX that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For the past 5 years, I believe that I have experienced ( and have evidence of ) organized deceit regarding my account with Bank of America. I believe that this is a direct result of technology fraud or incompetence. Bank of America has automatically opened an unauthorized account, created unauthorized charges/fees, closes the account, does this again and again, and then repeatedly and continually misdirects me ( a customer ) to hide that this is going on. As one of the successor trustees of a trust set up with Bank of America and supplying them all required documents, I am unable to get the required financial information from them that will allow me to manage my money. Can anyone help me get the financial information on our own money without having to take them to court?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I wrote to Experian and XXXX to get a Federal Tax Lien dating back to XX/XX/XXXX removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a change to 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 2022-02-15
Company: Accelerated Servicing Group LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continue to receive phone calls from this company, even though I have taken the required steps to inform them that the number they are calling is not for the person they are attempting to contact. Some XXXX or XXXX XXXX had this number before I did. I have had this number for close to 4 years already.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid my loan payments early for my XXXX payment. Instead of applying it to XXXX they applied it to XXXX. Now they are telling me Im Late for XXXX and wont fix the problem. I Ive spoken with four different people and they have not updated my account but are charging me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
sent certified letters out to : 1XXXX 2.TransUnion 3. And XXXX. Telling them I never lived at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX ). XXXX is the only bureau that checked their sources and depleted it off their report records. To this day, XXXX & Transunion has not. I think I may still have a copy of those letters. I have one more place I can check tomorrow If not I will go ahead with the following. Please find enclosed downloads which I investigated showing that this address is a business address and not a residential address. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) View full complaint

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 2017-07-12
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX a wage deduction order was entered for a fine that was owed to the cerks office in the city in which I live. To my knowledge any wage assignment must accompany some type of notice to the respondee giving them time to respond to the notice. On XX/XX/XXXX an amount of {$73.00} was taken from my paycheck. On XX/XX/XXXX I called my H.R. department and they said I had a wage garnishment from the State of Illinois. In which I later found out it was from a debt collecting agency called XXXX XXXX XXXX located in XXXX Illinois. I found out the contact information and contacted them immediately to find out exactly what or who I owed money to. I was informed that it was from a collection for a fine in XX/XX/XXXX. I then tried to make payment arragements all in the sameday, XX/XX/XXXX.I was told buy a very rude gentleman that I could not make payments on the account and it was nothing I could do but to accept the garnishment. My initial amount owed on this old fine was {$2300.00}. I found this out buy going to the clerks office. I called XXXX XXXX XXXX on XX/XX/XXXX to see once again if I can make payment arrangements on the account since the garnishment is causing a huge financial hardship on my family.. I was then informed that I currently owe {$2100.00}. That is an outrageous amount because 25 % of my check has been taken since XX/XX/XXXX. The county clerks records says I owe {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!

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 2017-12-30
Company: EQUIFAX, INC.
State: TX
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 use my identity and share my information with another person and there is XXXX  unauthorize hard inquiries on my credit report.My credit scores is around XXXX.

Also XXXX and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Go Capital Holdings, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was repossessed XXXX XXXX. According to NC repossession laws, Go Financial was supposed to notify me at least five days prior to the sell of the vehicle, notifying me of the auction date, location, and time. After the vehicle was sold I was also supposed to receive post sale papers notifying me of the price the vehicle was sold. I have not received any correspondence from this company until I filed a dispute with BBB explaining the unlawful sales practices of Go Financial. I received a phone call from a representative onXX/XX/XXXXwhom verified that there were at least 3 discrepancies in the final price of the vehicle. However, Go Financial is reporting an unvalidated amount on my credit file with all three credit bureaus.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
First : XXXX XXXX is reporting negative information while being on a Covid Relief Plan which I was told would not affect my credit report. They are reporting late pmts because when XXXX XXXX merged, they left my name off the mortgage acct and I had to get an attorney to make them accept questions & phone calls from me because my spouse died. 

Second : XXXX could not provide service that worked at my house, so I cancelled it. They are showing a charge for equipment & a contract cancellation. It was their fault it their service would not work at my house. I have signed receipts from a customer service rep at XXXX showing I returned ALL of their equipment. 

Third : XXXX is showing an amount due for breaking a contract, but they will not provide me with a copy of the contract. I was told numerous times when I bought their service that there was NO contract. I sold my house & had to disconnect it. 

Fourth : I had perfect credit on this account until the XXXX did not apply my credits to my credit card, so after fighting with them and refusing to pay and closing my account, they kept adding interest for several months before closing it. 

Fifth : XXXX XXXX, I had a {$68.00} balance, and returned an online order for {$75.00} which they did not credit to my account. Fought with their customer service to no avail, closed account.

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 2019-06-12
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: Account status incorrect

Complaint:
WAS PAID BY INSURANCE COMPANY PROVEN REMOVED ONCE AND PLACE BACK ON MY ACCOUNT REQUEST DOCUMENTS 30 DAYS AGO TO PROVE THAT ACCOUNT WAS MINE CLAIM HAPA LAWS WILL NOT ALLOW DEMAND THEY REMOVE IMMODERATELY

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 2021-11-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal Inc intends to make valid an electronic transaction for {$XXXX} paid to XXXX XXXX which has been disputed, cancelled and still after almost 3 months denies the possibility to XXXX XXXX to refund such money owed through the same means ( PayPal ) which was made to make such purchase alleging that PayPal Credit has not cancelled such dispute and therefore notified PayPal Inc impeding the whole refund transaction to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.

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 2022-02-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.

Company response to consumer: Closed with explanation