BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
Major credit reporting company leaked my information spent countless months and money on lawyers to fix it filled identity theft contact reporting company personally wrote countless letters made countless phone calls still a dead end no answer and no solution or anyone to 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 2021-09-22
Company: Integrated Asset Recovery LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and fair credit reporting act i need these actions taken care of immediately

Company response to consumer: Untimely response
Consumer complaint received 2018-04-24
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received the credit report from XXXX and I do not think it is correct. Based on the report file # XXXX it was filed in 2013 it was charged by XXXX XXXX XXXX a balance {$260.00} I did not know until I received the report in details. I do not agree with the facts because I was XXXX XXXX XXXX and I was under my parents coverage I believe this was paid by insurance. However why I was be charged for this? I could not visit doctor even I have health insurance? Any thing they should contact my parents who are insured. I am innocent. I am seeking the fairness, please help Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. XXXX 's XXXX Bank was one of the accounts. XXXX  agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXXXXXX XXXX  which XXXX process. Around XXXX of XXXX, I noticed a collection on my credit report from Portfolio Recovery Associates LLC for the original XXXX 's Debt. Starting in XXXX, I contacted Portfolio Recovery and provided several forms of evidence showing the debt was paid. Portfolio recover stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX showing the settlement and payment, a letter from XXXX  accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to XXXX bank in the amount of XXXX that was processed by XXXX Portfolio Recovery still refuses to accept my evidence of payment and continues to send me letters or remove the collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Personal information incorrect

Complaint:
I have requested TransUnion to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is an attached copy report with the creditors that I did not give permission to access my credit file Inquiries I did not consent to.

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 2020-07-20
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My parents have been declared XXXX, I have been made their legal guardian by the court. I am to assume control of all their assets both financial and personal as well as handle all medical decisions etc. I have been attempting to manage their XXXX  account Since XX/XX/XXXX of this year. I have submitted all the requested forms at least twice, mailed court supplied documents on two occasions and spoken to numerous customer service representatives. No one returns my calls at this point, they send me a vague message via the website telling me supply further documentation. My parents have all their retirement tied up in XXXX, with the volatile market I have had not had any access to any of these accounts to make any adjustments or in any way protect their remaining assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: NV
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:
According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that XXXX is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with Experian, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and Experian has my full consent to resolve this violation.

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 2021-09-27
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were multiple transactions on my savings account. On XX/XX/XXXX there were three transfers to XXXXXXXX XXXX  transfer. On XX/XX/XXXX there were 4 transactions between capital on and trial cr. All these transactions were cents. On XX/XX/XXXX 3 transactions for cents - 2 were to trial cr and one was to XXXXXXXX XXXXl trial. Reported to bank vis phone on XX/XX/XXXX. Attempted to freeze accounts they said they couldnt do it over the phone. Later that day {$22000.00} was transferred to XXXX XXXX 

Also had trouble with my checkings account. On XX/XX/XXXX a fake personal check was uploaded for the amount of {$1900.00} to a XXXX XXXX. On XX/XX/XXXX a fake check for the amount of {$850.00} was cashed for a XXXX XXXX XXXX. And on XX/XX/XXXX a fake personal check for the amount of XXXX was cashed from a XXXX XXXX XXXX. All checks appear to have the same signature on the back.

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 monetary relief
Consumer complaint received 2023-05-22
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a transfer of XXXX Euros ( XXXX, XXXX dollars, until the moment of the transfer ) from my current account in XXXX to the Wise account, in XXXX, onXX/XX/XXXX with the promise that the account is in my checking account, Bank XXXX XXXX, XXXX, within XXXX hours, however, it has been 5 days, and the money has not been transferred, and I have not been informed until now when I will see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trinity Financial Services have not made contact with me until XX/XX/XXXX this year. 
The original second was 14 years ago ( XXXX ). I have not received a mortgage statement. My original debt was with a completely different company I show a loan of {$120000.00}. I do not have documentation of Trinity securing my loan. They are currently stating I owe double the amount including a 11.5 % interest rate. I've had no correspondence or knowledge of this company until a couple months ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Global Payments Check Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2019 I told Global Payments Check Services, INC in XXXX, IL I would pay NSF return checks within the day time period from XX/XX/XXXX to XX/XX/2019. and to Stop calling me 8 times a day. Repeat back to back calls and leaving " Threaten Hang-Up Calls '' and harassment. Their number is ( XXXX ) 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 2023-02-20
Company: Experian Information Solutions Inc.
State: OH
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:
This account has been reporting for XXXX months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached 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 2021-03-03
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Could not let me speak, asked several times for the amount and told I need to pay right away if not XXXX be sued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Transunion needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on 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 explanation
Consumer complaint received 2022-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an XXXX credit card and the bank operating the card changed. I had automatic payments set up and did not receive any notice that they would be terminated, possibly due to the fact that I moved during the time that the banks were transferred. Because my automatic payment didn't post, my payment was late and the credit card company reported to credit agencies. When I realized it was late, I immediately paid in full and sent a letter to the bank explaining the situation. The bank responded initially by saying they would remove the negative credit remark, but they have not done so and my credit is still impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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:
To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these 3 accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. 
The report shows Equifax, that XXXX, and XXXX  were reporting that account # 's XXXX XXXX XXXX, as being Discharged in Bankruptcy. 
Equifax, as of XX/XX/2020, is reporting the selected accounts as being Charged Off. 

When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. 
How can these accounts go from Included in Bankruptcy, to a Charge Off :? 
I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? 

After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. 


In conducting any re investigation under paragraph ( 1 ) with respect to disputed information in thefileof anyconsumer, theconsumer reporting agencyshall review and consider all relevant information submitted by theconsumer. This did not happen. 

It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same negative information that is unverified with the original creditor. 

It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. 

I have enclosed the same report, that I originally supplied to Equifax. 

I pray that I have been clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Please refer to CFPB case number XXXX-XXXX  ( attached ). 

I noticed that Comenity Bank ( XXXX ) reported my account status as Delinquent on my credit report when I should have been enrolled in a hardship program. 

I messaged Comenity Bank on XX/XX/2019 to understand why my account reflected delinquent on my credit report. On XX/XX/2019, A representative from Comenity Bank messaged me back stating my account was unbeknownst to me, unenrolled from the hardship program on XX/XX/2019! Per the above case number, Comenity Bank was to cease and desist all illegal debt collection calls, not any calls that inform me of important account updates! I also did not receive a letter indicating I was unenrolled. I am not sure as to why my account was unenrolled, but these kinds of deceptive practices will ensure that a lawsuit is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i had a delinquent account with capital one credit card ending XXXX. They sold the account to XXXX XXXX XXXX  and settled this debt to a XXXX balance on XX/XX/2019. XXXX XXXX reported to the appropriate credit bureaus but capital one refuses to update my account and is costing me the ability to finance a house at this time. I have called them several times and they say they no longer own this account. I do understand this process but they still show as a negative mark on my credit report and is affectiing me greatly. All i want is for capital one to show the same activity as XXXX, as it is in regards to the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: PA
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:
To whom this may concern, my name is XXXX XXXX, and I am writing this statement on my behalf of myself. I have recently discovered that I am a victim of identity theft, and my information was used without my consent. I was a victim of identity theft and seemed to be targeted again. The following accounts/inquiries have been added to my report without my knowledge or consent, and I am requesting for them to be removed immediately : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received email stating update to Experian Credit Report through their paid subscription credit monitoring service. Upon looking at credit report, noticed 2 new  inquiries from XXXX and XXXX which were never on report before and were displaying negative activity. Contacted XXXX  XXXX  XXXX  whom verified only 1 account as current, paid on time. Not sure where other 2 accounts came from, not theirs, and did not report them and would start investigation which lowered my credit score from Good, past Fair, to Bad, XXXX - XXXX. Then tried to contact Experian Credit Bureau directly by phone and this is my complaint. There is no way to contact Experian by phone. A number is not offered. My complaint is there should be a way to contact Experian by phone and speak to someone concerning the credit information Experian reports about me. The other 2 credit Bureaus offer contact phone numbers yet are not showing my incorrect info. Go figure! I believe if Experian is going to selectively report inaccurate info that is 5-6 years old, out of nowhere, the injured person should have an opportunity to contact Experian by phone and speak to a live person to confirm circumstances surrounding the new inaccurate information. Experian deliberately does not provide this and may be the reason for this activity.

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