BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2022-10-06
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint with your company ( XXXX ) on XX/XX/18 case number XXXX and Lincoln Financial agreed to update my credit report and remove the charge off from all credit bureaus. XXXX  was the only one reporting charge off. XXXX removed the charge off status in XX/XX/XXXX and placed it back in XX/XX/XXXX. When I contact them they stated Lincoln Financial told them to report it as charge off again. This has caused me problems I am trying to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It is Bank of America again, I forgot to add one more thing from the 2nd dispute I filed recently. It applies to 1st dispute recently, also.

When I called the Bank of America to let them know that I did pay on time and it was the other bank, XXXX XXXX XXXX XXXX XXXX 's fault for not paying them on time. I paid on XX/XX/XXXX. I got to the Dept of Collection. It was my first late ( IF IT WAS MY FAULT, but it was not ). It was my first payment and already they transferred me to Dept. of Collection. That is their behavior to threaten me. I was NOT EVEN late. It was other bank 's fault as I sent you the proof that it was paid on XX/XX/XXXX. However, the Bank of America did not believe me and refused to listen. It is so senseless since it is MY MONEY I PUT INTO a secured credit card. I don't approve their behavior. This would be my first late if I was actually late but they sent me to Dept. of Collection.

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 2019-08-02
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls ; up to 4 to 5 calls everyday and they will not tell me what this is in reference 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 explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been contacting Capital One since XXXX 2017 about 3 hard Inquiries that are on all 3 credit bureaus XXXX XXXX & XXXX XXXX, which are damaging my credit. I do not recognize these inquiries, and have place a fraud alert on my report. I have spoken with dozen Representatives from Capital One with no resolution ... ..last 4 of my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2019After multiple phone calls from a collection agency regarding a cell phone bill from XXXX XXXX XXXX I finally was able to ask them to stop calling me and my daughter 's phone and to cease and desist all communications because my boyfriend did not know that I had the phone. On XX/XX/XXXX they called again creating conflict in my home. I called the collection agency to file a complaint but they deny ever calling me a second time I still use service with XXXX XXXX XXXX as far as internet and Wi-Fi so I called and complained to them Nothing has been done to rectify 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 explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Not enough information to verify a debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation that an alleged debt owed by me in the amount of {$440.00} be verified by XXXX XXXX XXXX. According to the FCRA section 609 ( a ) ( 1 ) ( A ) they are required to verify through the physical verification of an original signed consumer contract but have continually failed to do so. The credit agencies in turn have allowed this account to be verified as accurate without providing the documentation that has been requested or even giving their method of verification which I have requested numerous times.

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 2017-07-10
Company: Fedloan Help
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told that Fedloan Help would consolidate my student loans and that I 'd begin paying the loans through them. The way I understood it, they were now my loan holder and I 'd send them, through auto pay, {$82.00} per month based on limited income ; Income based repayment. Frst payment XX/XX/XXXX. Each month a withdraw occured on or near the XXXX of each month starting XX/XX/XXXX, every month for 13 months Fedloan Help withdrew {$82.00} until XX/XX/XXXX = {$1000.00}. I had no reason to question if my loans were being paid until XX/XX/XXXX when I received a note from XXXX XXXX telling me I 'd missed two payments. I called and said they 'd withdrawn {$82.00} that month. XXXX XXXX informed me that Fedloan Help was not the same outfit. Fedloan Help, I was told, filed paperwork. The reason that had not heard from my real loan holder ( XXXX XXXX ) was that my loans were in forbearance  accumulating interest.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-15
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello $ XXXX+ATM Fees {$2.00} Plus {$25.00} Gas Was Stolen Out My Account I 've Been Scammed Also With A XXXX Check That Whoever Rried To Deposit In My Account {$400.00} XXXX XXXX XXXX XX/XX/XXXX At XXXX {$25.00} Gas At XXXX XX/XX/XXXX XXXX {$60.00} XXXX XXXX XX/XX/XXXXXXXX I 'm With Simple Bank BBVA Compass

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Knight Adjustment Bureau is reporting and attempting to collect on a debt that is not valid and that I do not owe. It is for an erroneous day care bill. I paid for my kids day care and was never one time late. I advised them I was needing to remove my kids and they advised me the only person who could cancel services was the owner who was out of town, they are always out of town for weeks at a time. I was paid up and cancelled. I do n't even know what this is and nobody at XXXX XXXX ( the  original creditor ) will help me and Knight Adjustment wo n't help either. This is not my debt, its not valid and it needs to be deleted & cease collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions 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:
I have been dealing with fraudulent charges on my Experian account for quite some time. I have mailed them my affidavit since XX/XX/2020. It's taken almost a year. They have not removed the 3 accounts.. They just left them on there even though they are not mine. I also told them that them and XXXX are reporting late payments on my mortgage and I have never been late. They continue to ignore these problems.

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: BTH Management
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: KY
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:
Data Breach at Equifax. Flawed and haphazard financial system where the " plumbing '' consists of multiple for profit and lightly regulated companies opportunities acquiring our data only to handle it irresponsibly while daily selling elements of it to the highest bidder. We receive no compensation in return, but essentially, our private data is the " product '' these outfits monetize o a daily basis and it adds up to billions of dollars a year in revenue for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Southern Auto Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made my car payments on time even after I lost my job. My car payment was my # 1 priority. I had surgery and when I made my Payment I didnt realized I paid the wrong amount. When I noticed I went back to pay the correct amount only to time the system was down and did not allow my payment to go through. I was unable to make a phone payment at the time. Being in the hospital but when I was able to make the Payment they have already reported to the credit bureaus. Now my score went down 154 points and i was denied for the house i was approved for already because of the late Payment. I would have not received a late Payment if the system was not down. I spoke to someone that said they would help me and nothing happened again I called and no one then was willing to help me. I have called several times with no help and I am living in an efficiency with my kids now because I will not be approved for anything right now. I only have 1 late Payment out of 14 months and it wasnt even my negligence. I would have corrected the mishave if they system was working as it should. The rep told me the system is always doing that. But that is not anything I could tell the rental property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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: Reporting company used your report improperly

Complaint:
ON XX/XX/2017 TIME XXXX I CALLED TRANSUNION CREDIT BUREAU ABOUT FRAUDULENT INQUIRIES IN THE Account Review Inquiries AREA. I SPOKE TO XXXX XXXX IN THE FRAUD SPECIAL HANDLING DEPARTMENT. I LET HER KNOW THE FRAUDULENT INQUIRIES AND THE AREA OF THE INQUIRIES SHE STATED FIVE DIFFERENT TIME SHE CAN NOT DISPUTE INQUIRIES IN THIS AREA, I KNEW THAT WAS NOT THE TRUTH. I GAVE XXXX XXXX FIVE DIFFERENT TIMES TO CHANGE HER STORY SHE PUT ME ON HOLD FOR 15 MINS.  AND CAME BACK AND SAID HER SUPERVISOR IS GOING TO LET HER DO IT. XXXX XXXX IS IN VIOLATION OF 15 U.S. 1692 FALSE OR MISLEADING REPRESENTATIONS, AND 15 U.S. 1681-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERROR. I STATED TO XXXX XXXX THAT THESE INQUIRIES ARE FRAUD.

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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
This company is reporting twice on my credit, starting that I had 2 loans and they are unable to provide proof to me of the second loan ; when I asked to have the credit report fixed they offered to remove the loan that is accurate, to leave the inaccurate loan reporting with a balance.

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 2022-03-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TD BANK US HOLDING COMPANY
State: NY
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:
My XXXX phone number was ported to another carrier cancelling my telephone number with XXXX on XX/XX/2019. On XX/XX/2019 two {$1000.00} transactions were processed through Tdbank using XXXX  in Td mobile app. It was probably accessed using the phone number that was active on another carrier since I also received email notifications from other institutions I used stating that someone was trying to log in using my old phone number from a different state. Td bank is trying to deny the claim saying that phone transactions were varified using my phone number. I have a document that lists all of the phone information with the carrier XXXX  that says that the phone was canceled from device and sim card on XX/XX/XXXX thefore refuting there claim that transactions were made by my actual phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-10
Company: Weinman Acquisition Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving calls from a local number, XXXX and it is an automated number stating that this message is for me and that this is XXXX XXXX and she is a processor and that she tried to serve me sealed documents at my home yesterday. She stated in the voicemail that this her 3rd time trying to do so. She states that she will be checking my other known locations trying to find me. She states that if I do not accept these she will have to inform the filing party and to contact her at XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a bill addressed to somebody else 's first and middle names, and my last name. Clearly not my bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Tower Loan is calling obsessively. They are even showing up at our house, even after we talk to them and make payment arrangements. They are harassing my husband and I every day.

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX. Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my 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