BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm in the process of purchasing a home and TransUnion credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact TransUnion to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent

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 2022-08-05
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ZELLE USED BY FRAUDSTERS On XXXX XXXX I sent {$520.00} to On ZELLE to reserve a room to XXXX On XXXX XXXX I sent the balance of {$520.00} to XXXX I was scammed by someone renting a room that did not belong to him. I arrived and the real owner proved that I was a victim of fraud. 

ZELLE and XXXX are complicit with the fraudsters because they refuse to reverse the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Avant Credit Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I asked to have the loan cancelled and I was charged an administrative fee of XXXX, that I was not aware of. They approved the loan with the copy of the contract attached and would not let me cancel the loan. 
The customer service & management is horrible. The agents are very smart mouth and sassy. Customers are not valued. I talked with a young man of XXXX origin by the name of XXXX, he was the supervisor, his attitude was not friendly & very sassy. I spoke with a young lady before asking for the supervisor, and she also very sassy. The supervisor would not give me the name or number to his boss. The Avant  XXXX XXXX XXXX page does not allow you to leave bad reviews. We are also unable to leave comments on their personal web page. The company does not communicate well and it is difficult to get the help you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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:
I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, Equifax and XXXX via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received three letters claiming I owe money from cashed checks at XXXX and XXXX located in XXXX, MI. I responded with a request for debt validation and cease and desist request on XX/XX/2019 sent through certified mail with return receipt. On XX/XX/2019, I received a response with copy of receipts and no proof of right to collect debt or any information tying me to the debt. The information provided does not prove that this is a valid debt or that i am responsible for it. The company continues to harass myself asking for my bank information, driver license, and other personal information. I refuse to provide any personal information and believe they are committing fraudulent activities. I do not owe this debt, there is nothing tying to this debt, and I have never been in the location they claim the check was written and cashed. I have called my banks to verify if there has been any fraudulent activity from a checking perspective and none has been noted. There is no record of me trying to purchase anything at these location and there is proof I was not there during the time of dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-03-31
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: Account information incorrect

Complaint:
On XX/XX/2021 I submitted a written request to Experian disputing inaccurate/incorrect information I discovered within my Experian credit file. For the following : XXXX XXXX XXXX  {$560.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX {$24000.00} XXXX XXXX {$2800.00} XXXX XXXX {$910.00} Rise {$490.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$3500.00} To date I have received a response within the guidelines from Experian. Experian did acknowledge inaccuracies/incorrect information has been reported by the various creditors, however those items were not removed in accordance with the FCRA referencing inaccuracies/incorrect information, Experian reported inaccurate/incorrection information has been updated, then the creditor re-aged the debt.

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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & TransUnion & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : 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 2022-08-07
Company: Rent Recovery Solutions
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:
Rent Recovery continues to report to the three credit bureaus inaccurate and deliberate false information regarding the initial default date. You will see the attachment documents that support this again after several disputes and ignored by all. 

The proof is here in the documents provided to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was notified of an inquiry on my credit report. I did not authorize this. I have been unable to reach anyone to resolve this matter.

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 2018-02-02
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX Phoenix Financial contacted me about a medical bill after the very rude representative gave me the information I explained to her that another collection company tried to collect on this same Debt in XX/XX/XXXX and that original bill was only {$100.00} and it was paid in full. I still have the letter that I requested from XXXX that I sent to the first company, I can fax to you. She was very nasty and said we will see. I faxed her the letter dated XX/XX/XXXX along with a copy of my medical claim from my insurance company showing the original amount was only {$100.00} not {$410.00}. She informed me they brought this debt and I stated you brought bad debt because this never made it to collection and it was paid in full. I dont know how you all even got my information l. The original company was not a company that XXXX Maryland states they used for collections XXXX Maryland states they never heard of them. I also sent a second fax XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Received letter from BMO Harris Bank stating they engaged XXXX XXXX XXXX XXXXXXXX as the Loan Servicing Dept for BMO. They advised if mortgage payments are through Internal Transfer, which mine is, to update on after XX/XX/XXXX. I updated on XX/XX/XXXX. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX on BMO letterhead stating I owed {$920.00} for my XXXX payment and XXXX payment, both payments were made internally through BMO on the XXXX of each month. 

XX/XX/XXXX I called and spoke with XXXX who advised she did see my XXXX payment but did not see XXXX 's payment. She transferred me to supervisor XXXX who had me send PROOF OF PAYMENT to their Cashier Dept email. Since this is internal transfer from the bank I sent my bank statements showing transfer for XXXX and XXXX both were internally transferred out of my account on the XXXX. XXXX advised after I emailed I would be contacted within 7 days. 

XX/XX/XXXX I was never contacted by BMO or servicing Dept XXXX so I called and got another supervisor XXXX. XXXX advised they did received my email of proof and all was resolved and my loan amount changed from XXXX to {$460.00} in XXXX so I would just pay the difference. 

XX/XX/XXXX Never received letter so contacted BMO servicing dept XXXX again and spoke with XXXX. XXXX advised I owe for XXXX .... so we are back to square one. Transferred to Supervisor XXXX who advised yes I owe XXXX they do not see XX/XX/XXXX payment and it would be resolved by XX/XX/XXXX XX/XX/XXXX Spoke with XXXX who advised I owe now for XXXX and XXXX ... asked for Supervisor and got disconnected. 

Since BMO was to transfer all information to the Servicing department on XX/XX/XXXX they dropped the ball and apparently did not send my data .... however, BMO Bank just keeps sending me to the Servicing dept who keeps stating I owe for two months when this is and has always been an internal transfer from my account to the Mortgage Company through the BMO Banking System.

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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX and transunion never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.

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 2020-02-06
Company: EQUIFAX, INC.
State: MO
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:
I've contacted Equifax regarding inquires that are being reported that were not authorized. They said they can not remove them because they are a " FACT ''. The only way that I could have the inquires removed is by contacting the company that placed the inquiries on my report and getting them to send an electronic release. The contact information for the 4 companies was not listed on my credit report so I had to obtain it from the agent, XXXX ( reference number XXXX ) before ending the call. I called each company who advised that they do not have my information on file so they're unable to submit the electronic release form that Equifax is requesting. I then called Equifax back and spoke with XXXX ( ID : XXXX ) was advised that there is nothing they can do without it, she transferred me to XXXX ( XXXX ) who transferred me to XXXX who disconnected me when I requested to speak to a supervisor. 

This is my 3rd time submitting the survey because the customer service agent advised the other two are permanently stuck in Draft status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I never applied for this loan and it is fraud. I have filed court order but did not press charges. I do not understand how the loans are stated but this is not week to take dime out of my account. Multiple loans came out of my account for years. XXXX isnt my email.. or whatever it is.

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 2020-02-06
Company: United PanAm Financial Corp.
State: FL
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:
In XXXX of XXXX I was in desperate need of a car and went to a " Buy Here, Pay Here '' lot in XXXX ; XXXX  XXXX. They financed the car through United Auto Credit Group for 2 years at $ XXXX/month. As I explained I was desperate and when I expressed concern about the payment XXXX  XXXX indicated I could refinance in 6 months. I signed for the loan made payments through XX/XX/XXXX. The last couple of months if I was unable to pay the entire {$850.00}, I would make sure to pay something, usually over {$800.00}. One day while at work they came and repossessed the vehicle because I was {$39.00} late ( by paying less than the total payment ) I was not given an option to get the vehicle back ; only to collect my belongings and the vehicle was sold at auction. United Auto Credit has been reporting since XX/XX/XXXX that I continue to owe them {$7200.00}, and have charged off the loan. I have requested the a reconciliation of all payments made by me, and the amount received when the car was sold at auction. I believe the money they are reporting is incorrect and is significantly effecting my credit score. 

I did contact them in an attempt to settle the debt and they requested 50 % or a little over {$3600.00}. As a result I am convinced they are inflating the amount owed on my credit report and as I stated I would like the reconciliation of my account and the amount received for the vehicle at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax XXXX XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.

Company response to consumer: Closed with explanation