BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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 2023-03-30
Company: EQUIFAX, INC.
State: LA
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 account is reporting {$790.00} balance when the balance for two months has been {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: SW Linear Investment Group, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was directed to you through the Attorney Generals Office-XXXX XXXX My ex husband, after our divorce and the home was given to me went and borrowed money on the property in order to pay what he owed me to avoid a contempt of court issue. My name is not on the loan but my property is because the finance company did not do the research needed before writing him a check. He has since passed away and now the loan company wants me to pay the bill that I was not ever aware of. I directed them to file against probate but they never did. His mother XXXX XXXX was the beneficiary of his life insurance, checking and savings and they have never sent her any thing about this. How can someone use my property without my knowledge and I have to pay the bill. They are threatening to foreclose on my property now and after I paid off the first mortgage as I was instructed by the court. 

Linear XXXX  should be responsible for this since they never had insurance on the loan, never had my signature that he could borrow my property to take out a loan nor did they do the research they should have done to start with? 

They have told me that they wrote the checks directly to XXXX XXXX XXXX not only once but twice, One time for {$9000.00} and another loan ( The loan application was used to payoff a previous note for {$12000.00}. with XXXX, a XXXX XXXX account for {$9000.00} and misc bills and direct to XXXX. This statement came from : XXXX XXXX XXXX ) Please help me, XXXX XXXX XXXX Cell XXXX Work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: SC
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:
Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXC XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : 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 2023-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-03-30
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First Credit Services repeatedly calls me not saying anything. I have verbally asked for them to take my number off the contact list and Im still receiving calls. This complaint does not serve as an endorsement of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from Transunion. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to Transunion and to XXXX and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXcount # XXXX XXXX Account # XXXX XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. StatesI have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.

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 2018-03-04
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: Public record information inaccurate

Complaint:
XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please help me.

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 2020-07-23
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
When using the XXXX app, it displays my bank account informati incorrectly. Preventing me from using the service. XXXX says that its because my bank ( PNC ) will not communicate with them to update my account information in real time or at least within a 24 hour buisnis day time frame. XXXX app suggested to make a complai on this site

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I received funding to bring my loan current under a reinstatement agreement through the Equitable Retention Mortgage Assistance Program and a grant for {$95000.00} from the Homeowner Assistance Fund program, PHH received these payments from these programs on XX/XX/23. I have contacted my servicer weekly to ensure these funds were applied appropriately and they have not done so. As of XX/XX/23, PNC has not applied the funds appropriately. Further, they have threatened foreclosure action. They have been causing me difficulty for years as in not processing my payments correctly which has caused me a great deal of stress. I want something to be done to ensure this does not happen again to myself or to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I think XXXX was hacked. Please monitor XXXX. I checked my account and there is requests for loans. My credit score was lowered for no reason at all. Please call or email me at the information below. 

Email : XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Best Buy card via Citi years ago that I used, paid off, and never used again. Somehow, there have been three accounts opened over the years and the most recent was used to charge merchandise I did not buy. I reported the purchases fraudulent and requested any accounts associated with me to be closed. After more than a month, they still show at least one account open with {$3000.00} available. Today I asked again to close all accounts and they said that since an account was closed in XXXX that I have to reopen it to close it. They were referencing the account that had been closed for fraud and not the open account, which I had never asked to be reopened in the first place. At this point, I need to report them as they are either pretending stupidity to keep my account open, or are so incompetent that they can not fulfill my request.

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 2023-04-13
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receive a citation Security Credit Services , LLC in XXXX XXXX TX. XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. This company is not locate at the address nor have a physical office in the State of Texas. I received a notification an assumption of debt by the agency. Nor has Security Credit Services , LLC sent confirmation debt owed. The amount is {$10000.00} on XX/XX/23. The agency has weaponize the court system I not received notication of the debt and provide any options to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a letter to Transunion to delete unauthorized Credit Inquiries and they sent a letter back for me to reach out to call companies and have them remove them. I called companies and they stated they can not remove them.

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 2020-12-01
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by theXX/XX/XXXXdata breach and may have got into there hands of the wrong person

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 2023-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated by my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the reports by more than 7 years..

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate..

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 2023-03-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, desmoines, IA XXXX, XXXX ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiries not authorized on my Transunion credit report from XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XX/XX/XXXX XXXX multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple ) XXXX XXXX XXXXXX/XX/XXXX ( multiple ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXXXX/XX/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 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

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 2023-03-30
Company: Experian Information Solutions 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:
My name is XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-05
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my us bank Relias card. I called and notified them. they told me to send in a copy of my id and which I did. and now they tell me that they cant issue me a new card. I have XXXX dollars on the card that had been canceled. I need my money asap I have bills to pay. altogether it has been four week since I contact them for the first time and still have not got response.

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 2020-12-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
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:
My old apartment complex tried to charge me for {$3000.00} worth of tile carpet and paint when I moved out. I sought legal counsel on the charges and requested proof from the collection agency and apartment complex neither could provide and I was told the case wasnt moving forward due to lack of information and that they quit reporting to my credit in XXXX. I disputed twice with XXXX and it still comes back as accurate. I asked for some kind of documentation from the collection agency and they refuse to provide me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: LEXISNEXIS
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I havent been able to get a copy of my consumer report from XXXX XXXX XXXX, XXXX, or Lexis Nexis.

Company response to consumer: Closed with explanation