BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX  XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.

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 2019-01-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Four years ago a loan somehow was giving and because I may had a hardship at that moment I did get all of it paid interest build up and It went on my credit. so I get a called from XXXX XXXX he said that he is the CEO of the law office and he will file a fraud on me and XXXX stated that I intentionally had a account closed when they tried to get the money out the account. That is not true I Did not have and account close with XXXX XXXX. He threaten to have me arrested and was very smart mouth and rude and because I did not agree with him he slammed the phone and hung up and said he will tell the state that I will not negotiate with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2023, I applied for a new credit card based on the following welcome offer : {$200.00} Rewards 1.5 % cash back Intro APR Purchases : 0 % intro on purchases for 15 months Balance Transfers : 0 % intro on balance transfers for 15 months Regular APR 19.24 % - 29.24 % ( Variable ) CREDIT SCORE : Good/Excellent ( XXXX ) More specifically, I applied because I wanted the balance transfer of 0 % APR for 15 months ; however, the Capital One stated the following : There are currently no Balance Transfer offers available on your account. If you recently received an email offer, this means you were eligible at the time you were selected to receive the email. However, eligibility for offers change from time to time, based on a large number of factors. Unfortunately, we are unable to provide specifics on which factors may have changed. Please note : If this is a new account, offers may appear after the account is at least 11 days old.

Again, I applied for the credit card based on the offer of balance transfer of 0 % APR for 15 months which is now not being offered to me which is deceptive, unfair and abusive. Now my credit score will be affected due to applying for a offer that was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: OH
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 recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, XXXX XXXX Equifax. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, 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:
In XX/XX/2017 i sent a dispute by certified mail for this said debt with XXXX XXXX ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX   and XXXX but remain on Equifax. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX of last year. I am asking that the Bureau Equifax remove this debt immediately as promised and report accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
We should not have leads sold when we did not ask for our data to be sold. we should not have to opt out over and over and over again. it has caused massive distractions and phone calls that are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
The information on my credit report is inaccurate. 

-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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 120 days late with the XXXX/XXXX  partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.

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 2019-08-17
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I bought a treadmill and took out a SEARS credit card for the same. To date, I have never received the card. I have only received one statement which I tried to pay at the store and could not. I paid via check for the first time. After inquiring with the creditor via phone, they agreed to send me the card and correspondence, but they have done neither. I have tried to pay at the store with my Social Security number, but no account appears registered to my SSN. They keep calling and harassing me and requesting that I give them access to my bank account so they can withdraw the payment. I want to make the payment but refuse to give them access to my bank account. If they can not even mail me a simple credit card, I fear what havoc they may do if I provide them access to my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
I just want to make it clear I did everything in my power to work things out with these creditors all of them when I got sick they saw when my health went down credit started going down I began crying when they called telling them listen I don't have a dime and a XXXX XXXX XXXX daughter if you can let me get my XXXX I will pay every one of you but they went forward and I have judgements against me that I didn't even get paperwork to go to court on. I purchased my XXXX XXXX XXXX XXXX and was financed I made every payment on time or before time until I became unable to work due to a sudden disabling illness. I worked at the XXXX XXXX XXXX I made good money and when everything ran out while I was waiting on XXXX my mother helped me make those payments that's why some of the payments got behind we were doing everything we could to stay current I was hit with another representative in the collection department and instead of him taking the payment he said I had to do a voluntary repossession and I owed less than XXXX dollars and I told him my case was going to court for my XXXX in XXXX it said please work with me I can just pay it and whatever left do for late payments I would pay off when I received my XXXX. He said the best thing you can do miss XXXX is relinquish that bike and it sold for more than what I paid for it yet they're coming back on me for money on the repossession company that came to pick it up because there was no way I was in any shape to try to get that motorcycle up there I had no choice but take a XXXX retirement because I have XXXX 's XXXX and if you look through my credit everything was paid on time and never late until I was taking out of work in XXXX I have explained to these people every time they call and they continue to call and send letters threatening me I get XXXX a month I barely get groceries I don't qualify for food stamps I don't qualify for XXXX I have to use my XXXX and I have to pay 25 % of co-pays or either it's 25 % of whatever the total cost is for that day and I can't even pay that

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 requesting that it will be removed from my credit report as soon as possible.

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 2022-12-21
Company: EQUIFAX, 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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' XXXX as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/XXXX, which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 am a victim of identity theft. None of the items or transactions are related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2020-11-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX County Precinct XXXX  incident includes both XXXX and XXXX XXXX # XXXX Collection was put on my account for a XXXX XXXX bill for {$620.00}. This was put on my credit account first XXXX by Transworld Systems without any validation of the credibility of this account. Although they have been notified this is fraud it has been reported since then to XXXX and XXXX, and possibly XXXX. My account has been frozen and I pay to have it monitored by them due to fraud by XXXX. I have never had a XXXX XXXX account. Last year I battled XXXX who started out saying I owed them about {$860.00} for XXXX which later became more than {$1300.00}. I fought them I believe until XXXX of last year 2019 to prevent that from going on my credit because I discovered it when I went to activate my XXXX watch and they claimed I had an unpaid bill. It was not my account and I was unaware of that account until then. I had about 14 years of cell service with XXXX and no late payments. I also had XXXX for about the same length of time at XXXX XXXX XXXX XXXX XXXX Texas XXXX where I have lived for about f9 years. I have never had a XXXX acct or a XXXX XXXX account., I have never had a XXXX XXXX account. These were both opened in my name according to XXXX who is the only server in this sleezy apartment complex in XXXX Texas where I have never lived. They opened the XXXX XXXX acct in the same time frame and at the same service address. TSI added the apt address to my account. I have never lived there and they had no right to report that as my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX Account # XXXX is showing past due 30 days for XXXX This is incorrect information I have the receipt showing I paid this account on XX/XX/XXXX which was my last payment on this account it should not be showing 30 days past due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit report my personal seems to be compromised and I noticed inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Lease Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT belong to me and I have not received services nor goods from these providers.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # ( XXXX ). To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

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 2022-12-20
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collections line item has been reported to my credit report profile in the amount of {$4000.00} for an account that was not opened by me nor did I have any knowledge of. 
This discrepancy was reported directly to the company listed as well as the credit bureau. 
Account my have been acquired when my personal information was breached during data breaches associated with XXXX and XXXX which have both impacted me. 

Line item being reported was established without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I sent a letter via certified Mail to the company for verification of medical debt. On XXXX they sent a response stating in the allotted time they could not verify the debt and they would stop reporting the account to any consumer reporting agencies within a 30 day or more time frame. It is XX/XX/2021 and they are still reporting this unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times to dispute inaccurate information on my experian, and transunion credit report. I have asked both companies to send me any documents with my original signature, or proof that shows that these are my accounts. These inaccurate accounts are listed below. 

the inaccurate items on my experian report are listed below : # 1 XXXX XXXX ( {$8500.00} ) # 2 XXXX XXXX  ( {$620.00} ) I have never done business with these companies. 

These inaccurate items on my transunion report are listed below : # 1 XXXXXXXX XXXX XXXX ( {$2000.00} ) # 2 XXXX XXXX  ( {$620.00} ) # 3 XXXX XXXX ( {$170.00} ) I have never done business with these companies.

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 2019-03-13
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:
XXXX the dates is this inquire is XX/XX/XXXX.

The next inquire is XXXX again XX/XX/XXXX.

The next inquire is XXXX on XX/XX/XXXX The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XX/XX/XXXX.

The next inquire is XXXX XXXX dated XX/XX/XXXX The next inquire is XXXX and that date is XX/XX/XXXX That next inquire is XXXX and the date is XX/XX/XXXX The next inquire is XXXX Ca ans the date is XX/XX/XXXX The next inquire is Capital one and that date is XX/XX/XXXX The next inquire is Capital Ome and the date is XX/XX/XXXX The next inquire os Capital one and the date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation