BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX  ( TU & XXXX  ) Address : XXXX XXXX XXXX  ( TU ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX  - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-04-22
Company: EQUIFAX, INC.
State: NV
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 was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and experian sided with them and will not remove this card from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually this needs to be coded as an XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: TX
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:
There was an unauthorized account opened in my name. I've tried disputing this information with no luck from XXXX XXXX XXXX XXXX. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to XXXX XXXX and they refused to block the information. I called XXXX XXXX in XX/XX/2020 with an Experian representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid XXXX XXXX the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. XXXX XXXX stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. 

My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX Please assist me with having this account removed from my credit profile.

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 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is some personal information not accurate ; I 've never lived outside the state of XXXX, and I have noticed there is an address from the state of XXXX how can I have this 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 2018-10-12
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX salesman named XXXX come to my home in 2012. We settled on {$1200.00} for the XXXX {$62.00} a month, I planed to pay {$120.00} to pay it off faster. I revived a bill two days later for {$4100.00} XXXX! I was shocked. I called right away. Said I wanted to contact my salesman. They said he no longer worked there. I said I wanted to cancel, they said no. I couldn't because he was no longer employed and it had to be through him. I said I cancel and they needed to pick it up. They refused. I did not have a contract at all. The sale man had said he would be back to get my trade in and final contract. He never returned. I still have my old vacuum shown on their " contract '' as my trade in. I had asked several times to see a contract since I didn't have one. They sent one that had a list price of {$2400.00}, not {$1200.00} as decided. The salesman had left several packs of new contracts at my home. Which I still have. I signed the cancel from one of those contractfs and faxed to them with the number they had on their answering machine. Trying to find that old fax machine to see if I can get proof of transmison. I called them at day 19 informing them that per their own contract if they did not pick up the vacuum up I can retain or dispose without further obligation because I canceled. This is wrong. Now I have been served for this debt. I will gladly pay the {$1200.00} or give the unused vacuum back. Pieces still in plastic with a never used bag. But I should not have to give it back, they had 20 days to get it per their own " contract ". I did track down the salesman, but he says he can not remember any specifics to my sale. This is not a proper way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, account number XXXX is wrongfully appearing on XXXX, Transunion and XXXX credit bureau reports.I opened the account in XXXX of 2015. 
The payments made for this account were for usage and a XXXX XXXX XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to XXXX XXXX. 
This entire account is fraudulent.I owe nothing.

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 2020-09-16
Company: EQUIFAX, INC.
State: FL
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:
This Is my second complain! 
Try to get a loan from my local bank, when they polled my credit form Equifax, my name show incorrectly and my social security number did not show on my file. I contacted Equifax to get the problem resolved. Even though they verified who I was over the phone the told me that I need it to file a dispute sending them a copy of my License, Social Security Card and prove of address. on XXXX XXXX I file the the dispute and I uploaded the documents they asked for and I received the confirmation # XXXX witch it shows on the Equifax web-site under my profile as a depute being process. ( I have a picture ) Since the dispute had a resolved date of XXXX XXXX I called today XXXX XXXX XXXX to see if the matter was corrected in there system. The first thing they asked when I called was about the first complain I file with CFBP and after that I got transfer to two different people XXXX who couldn't fine my file and told me that she couldn't help me and did not want to give a last name or employee # and XXXX who also refuse to give his last name or employee # after more than 30 minutes on the phone going true the validation of my identification shortly after, this gentleman informed me that they had not received the dispute I had file and the dispute # I was proving for him from the Equifax website wasn't showing on his screen there for I need it to file another dispute. In the meantime the loan I need it from the bank for this week is not going to get process because they can't verify the correct information from the documents I uploaded on the Equifax website on XXXX XXXX Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
my card was lost and or stolen, i notified the bank immediately, they stoped the card and sended my new card. since XX/XX/2019since then i've been calling every single day and talking to dispute/fraud department, they keep telling me they still looking into it, but when the fraud accured they told me that i have zero liability!!!! .abd the fradulant charges should be removed with in 24-48 houres.i never made these fraudulant charges, and i made a police report on my own, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company last year in XXXX lowered my credit limit from near {$1800.00} down to {$620.00} for no reason. I actually used the card regularly and had it paid in full when they did this. Now, I just got a letter dated XX/XX/XXXX that they closed my account because the number of dishonored payments on this account. I have no idea what they are talking about. There was an issue with my bank accounts in regards to paying from a wrong bank account but regardless I reached out to them and got the problem resolved, paying my debt in full. I have not dishonored any payments. I have not set up payment arrangements and I promptly take care of issues when I know they have occured. I am not continuously late, I use their card often and pay my bill. I had one hick-up, again because of my bank accounts I was switching everything around, and this happened. Its sad that a company treats people like they have never had a mistake happen. I do not want their card, however I want to make sure this does not affect my credit score at all by their reasoning to close my 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 2021-09-22
Company: Experian Information Solutions Inc.
State: DE
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:
Reference to complaint # XXXX, Experian Consumer solutions ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.

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 2020-09-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Good Morning and hope you're doing well during Covid19 ... ..I was shocked when I reviewed my credit report and found late payment on the dates on XX/XX/2020 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Paramount Recovery Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against paramount recovery this debt collector has violated the fdcpa/fcra by reporting derogatory information on my credit reports in the amount of {$240.00} that isnt my debt. I have never recieved a dunning notice by this company which allows me 30 days to dispute validity of debt. I've lived at the same address for over 17 years and I have never recieved any mail from this company and also never recieved a phone call. This has also brought my credit scores down and I am in the process of purchasing my very first home for my family. I am requesting paramount recovery to delete this erroneous account from my credit reports. Attorney general and XXXX complaints will be filed if account isnt deleted immediately. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: AMCOL Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 someone opened a new account in my name and it wasn't me. AMCOL SYSTEMS .. I CALLED THEM THEY TOLD ME TO CALL YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX Original creditor ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for online installment loan with Ace Cash Express. They said they had to verify account. They deposited {$790.00} I was told to return {$790.00}. Then to better my credit score they deposited {$970.00} & {$990.00}. Again I was told to return it. I did. Then I learned that all the deposits they did were bogus per XXXX  XXXX  and didn't go thru. Not only am I out what I sent back, also out the deposited money. 
I spoke to XXXX XXXX and XXXX XXXX. I have all contact numbers, copies of transactions and bank has copies of bogus deposits. 
I also made a police report # XXXX This are 2 of of some of the texts I was sent : " Ace cash express Hello, Loan ID : XXXX Loan amount : - $ XXXX  Monthly payment : - {$220.00} Loan term : - 24 month if you are looking for this loan call us as soon as possible. Before your loan application expire. 
call at : XXXX Regards XXXX XXXX '' `` XXXX Regards.XXXX? 


Hi this is XXXX XXXX. On your words we deposit the credit amount in your account and this amount will availible in yoir account at XXXX. 
Regards XXXX  '' Unable to get download of the deposits, but bank has them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30  days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I noticed a collection from Ability Recovery Services I immediately called them. I have no idea what they are collecting for they told me that I signed up with a company but never got any paperwork what they are collecting for or anything which seems to be mine. I called them again and still haven't gotten anything back. The amount they are collecting does not add up.

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 2018-10-13
Company: Casesa Bowden Barlow, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being constantly harassed a third party collection law firm claiming there is an outstanding balance for a XXXX final hearing that never even occurred, after my having already paid thousands of dollars in 2017. The collector claims to be an attorney and repeatedly calls in a nasty, harassing and threatening matter, having already been told to cease.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-13
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid as soon as I found out about 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 explanation
Consumer complaint received 2020-07-18
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
APPLIED FOR A CREDIT CARD WITH BANCO POPULAR DE PUERTO RICO, REGION/DEPT, XXXX XXXX XXXX PR, XXXX XXXX XXXX, XXXX XXXX XXXX. TEL XXXX XXXX application # XXXX. APPLICATION WAS DENIED BECAUSE OF MY Age [ XXXX XXXX ] ONLY BECAUSE I WAS LATE PAYING A CREDIT CARD WITH XXXX ONLY TWICE BECAUSE I DID NOT RECEIVE THE PAPER STATEMENT. I AM NO GOOD WITH TECHNOLOGY AND NOW MY DAUGHTER REGISTERED THAT THE PAYMENT BE MADE AUTOMATICALLY FROM MY BANK ACCOUNT.

Company response to consumer: Closed with explanation