BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
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: Account status incorrect

Complaint:
This is not a duplicate. i needed to add additional information File # XXXX Company : XXXX XXXX XXXX XXXX CA XXXX Balance {$19000.00} type : unsecured loan Credit Company : TransUnion XXXX has been continuously reporting incorrect data to my credit breu. 
the credit bureau has been telling me they can see it but was not able to do anything about it. 

They tell me that XXXX has reopened my account that was closed and charged off in 2017 they changed my open dates. and they have reopened my account and has been charging it off every month. she says it has been affecting my credit but she was not able to do anything an directed me to you. i spent 2 years getting my credit back right and in XXXX they have been sending in accurate information stopping me from achieving credit repairs..

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 2017-03-10
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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 disputed the following account with XXXX  and Equifax and after an investigation by XXXX  It was found to be unverified/inaccurate and removed from my credit report. Equifax has still not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I have included a screenshot of the removal by XXXX  from my XXXX XXXX account as proof and I give permission for you to run my credit report to see that it was removed, I am once again asking that Equifax investigates the following account and I would like verification/proof, copy of contract or signature showing the true ownership of these account or the removal of these inaccurate/unverified account. 
1. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
This is a letter which I sent to SageStream LLC on XX/XX/2020. It summarizes the problem. 

SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : In XXXX, I was notified by XXXX XXXX  that we were denied a XX/XX/XXXX based on a credit scoring system used by your Company Sagestream. 

The correspondence from XX/XX/XXXX indicated that the reasons I was denied were : Days since most recent inquiry too short Not enough mortgage experience Length of time oldest bank revolving account has been established is too short Distance between prior residences is too long This information does not match up with reality, so I tried to contact you by phone and fax, to no avail. No human being picks up the phone at your company, and your fax machine does not work either. So I snail mailed in a written complaint on the form on your website. 

You wrote back on XX/XX/XXXX saying that my dispute with you was unclear. I dont know what was unclear. I am disputing the accuracy of the information in my consumer file. I want to know WHERE you obtained this information and what has been used against me. I want to know WHAT information has been used. I want to know my CREDIT SCORE and how it was computed. My XXXX   score is XXXX. 

Again, the information provided to me in XXXX letter indicates your system is provide FALSE information. 

I have since frozen my credit report with your company since I have not been able to resolve this with a real human being. 

FURTHERMORE, After I was denied credit, my husband, XXXX XXXX XXXX, XXXX, applied for a XX/XX/XXXX and XX/XX/XXXX, and he too was denied. On XX/XX/XXXX, you wrote him a letter indicating his credit score was XXXX. The reasons you cite in this letter, such as when the consumers SSN was issued compared to his peers and limited credit history do not line up with reality either. 

Your letter does not explain how you arrived at that score. He also is disputing the accuracy of the information in his consumer file. He wants to know WHERE you obtained this information and what has been used against me. He wants to know WHAT information has been used. He wants to know how his score was computed. Note his signature on this letter confirming that this is the information requested.

My husband and I both have FICO scores over 800. We take pride in paying our bills on time and have NEVER -- I repeat NEVER -- been denied credit cards.

( Cont. on next page. ) We expect that you will respond to these requests quickly given that almost two months have gone by without an appropriate response from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
DISCOVER FINANCIAL IS NOT REMOVING THE FRAUD CREDIT CARD OPENED UNDER MY NAME. I HAVE SENT THEM A VALID POLICE REPORT AND THEY ARE NOT REMOVING THE FRAUD ACCOUNT OUT OF MY CREDIT BUREAU. I NEVER APPLIED FOR THIS CARD AND HAVE NO KNOWLEDGE OF IT. ALSO THERE IS A PO Box FRAUD ADDRESS ASSOCIATED WITH HTIS CAR THAT NEVER BELONGED TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
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: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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 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 2023-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I send a notice to close escrow in XXXX. They finally closed it in XXXX. Sending me a letter that I was going to get my money on escrow back. They have refused to send it for 5 months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Allied International Credit Corp., (US)
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: Account information incorrect

Complaint:
On XX/XX/XXXX I make arrangements with Allied International Credit Corp.to pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX XXXX  I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: RENASANT CORPORATION
State: MS
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:
I disputed an unathorized transaction with Renasant Bank at the branch in XXXX XXXX, MS back in XXXX or XX/XX/2019. The amount was {$220.00}. The bank gave me a provisional credit and then on XX/XX/19, they took the money back out of my account. 

I did not authorize the transaction and I would like my money 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 explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: FL
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:
Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact 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 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact 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 2021-08-11
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Anyway, they told me to go back to the bank and get veri ) ed a second time.So I Did and the banker and I were on the phone with them to do that. When all was done they said they would do a reversetransfer of the money within the next 10 day. I said I have to wait another 10 days. He said it probably won't take that long.ok so I waited 5 and emailed the banker that I don't see anymoney yet. So she called themand they told her that I was the one who authorized the transfer. which i did not do. Sonow she gives me another # to call. So call that one the next day.And of course go 3 more people before one would tell me what was going on. And she told me that I gave them the pin # toverify myself. I told her no but she was not listening. And she also told me their were 6 otherusers on my account. So howdoes that happen without my knowledge So 3weeks later they tell me they are not giving me my money back. So i believe theywere giving me the run aroundtill they didnt have to pay me. I asked don't you have Insurance for this and she saidthats not how it works

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 2023-04-24
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX has several erroneous charges reporting to my credit. My insurance and XXXX XXXX plan are currently paying these off and I never received a notice for any of these collections before they were added. My XXXX XXXX advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit 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 2022-11-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AR
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 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. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Asset Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Several of the XXXX XXXX that I am responsible for covering received a high volume of calls asking to speak with me and sometimes multiple times to the same store in a day stating " they had a business  '' deal for me which has caused harm to my reputation within my XXXX  and has created hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: VA
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 dispute with Experian twice to request removal of a collection in the amount of XXXX involving a collection company ( XXXX XXXX XXXX ) whose client is an online payday loan company not licensed in the Commonwealth of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and XXXX XXXX never sent me a notice that would allow me the opportunity to dispute the 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 non-monetary relief
Consumer complaint received 2020-02-19
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX KIMBALL TIREY STJOHN started reporting to XXXX  that I owed them a debt in the amount of XXXX on the behalf of XXXX XXXX. Because of this a court order was issued garnishing my wages to pay the debt.. On XXXX XXXX the XXXX XXXX Superior Court sent a notice to myself and KIMBALL TIREY STJOHN stating that earnings withholding order had been terminated because the judgement had been PAID IN FULL. KIMBALL TIREY STJOHN is still reporting a balance owed of {$160.00}, as of XX/XX/XXXX, although the court order from the XXXX XXXX Superior court states  that the debt as been paid in full due to wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MO
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There wasn't an exact fitting reason in the options, but here 's the details.

Commonwealth keeps resubmitting this XXXX debt, showing the same creditor & the same amount of {$860.00}, repeatedly as new. Every year for like the last 4 years they submit it then remove it, & add again a couple or few months later as new all over again. Before, about 2 years ago, XXXX  had it listed on the report that it's removal was set for removal in early XXXX. I changed my monitoring services early last year and lost access to all the previously pulled reports that showed how many times they've done this. I truly feel it's cruel of them to do this every year because with New accts hurting credit worse so this's hurt mine many times unfairly. Dropping my score between 70 & 100 points each time. I filed the info with  XXXX, even including the screenshots I DO still have showing it in XX/XX/XXXX and then removed last winter just to be filed again this XX/XX/XXXX as a newly opened account again. At least showing a little history of what this company has been doing. But XXXX completed the dispute by only fixing the date opened by one month. Not the 4+ years it's actually been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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 XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights.

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.

Company response to consumer: Closed with explanation