BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any notifications about payment owed after a payment was made in XX/XX/. Not a single attempt to collect was sent my way from XXXX XXXX - phone or mail - so 2 years later getting a notice from a debt collector comes as a complete shock and unwelcome surprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, 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:
Equifax is the only credit bureau that shows a hard inquiry yon XX/XX/2019 from XXXX XXXX. After investigating with XXXX XXXX, no application was filed or account opened under my social security number. Equifax needs documentation from you to begin the removal process from my credit report. I suspect this to be an Equifax system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
This company reported a late payment on my account causing my credit score to drop significantly after I stated previously times my car was stolen and the insurance pay my car in full. The last payment I made was XXXX. My car was stolen XX/XX/XXXX and the insurance approved the claim XX/XX/XXXX. They issued out the payment to td today is now XX/XX/XXXX and td claims they havent received anything and there was two separate checks sent out and I received my check XXXX XXXX2023. And td claims they still havent received anything after the insurance stated they sent it out twice. There was a representative who I feel was very XXXX to me and I feel he or she may have parts into playing with my account causing my account to recieve a late payment to the credit bureau I will be filing a civil lawsuit against them as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX {$290.00}. I paid XXXX directly but the collection agency is on my credit report. I currently have a new policy with XXXX so any past due debt that is owed to them has been paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Syncb/bp DC ( bank ) XX/XX/XXXX Syncb/PayPal XX/XX/XXXX SYNCB/care credit XX/XX/XXXX I did not give permission or authorization them I was a victim Identity theft

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 2023-10-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I call them servals times to update the address, and they keep charge me for late fees for something I'm not responsible for, I ask them to pay for the balance I did use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macys signed me up for a credit life insurance with a company called credit pro. I did not give consent. I am billed up {$23.00} per month. The amount fluctuates depending on your balance. I have been billed for this fee over over a year. It could be more but I dont have access to older statements. I need them to reimburse me for all the fees. This transaction was fraudulent and was not approved 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 explanation
Consumer complaint received 2019-08-11
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX refinanced my childhood home with XXXX XXXX XXXX in the amount of {$52000.00}. I paid a premium of {$600.00} at closing for Title Insurance to XXXX XXXX XXXX XXXX XXXX. The loan was set up with XXXX XXXX. Then sold to Ditech Financial LLC Servicing. The loan is backed by XXXX XXXX. On or about XX/XX/XXXX my new neighbor informed me that my property was landlocked aka no ingress or egress. XXXX XXXX XXXX would not help or give any hope of resolving the issue. Then on XX/XX/XXXX at XXXX XXXX my home received 7 1/2 feet of water and stayed under water for 14 days! As of todays date XX/XX/XXXX it has been 741 days and still not back in my childhood home and still landlocked! The home received {$100000.00} in damages with only {$42000.00} in flood insurance. The XXXX cashed out in the amount of {$42000.00} payable to Ditech and myself in XXXX of XXXX. Ditech would not release the proceeds. Went into forbearance. The Texas General Land Office and FEMA forcing me to pay {$680.00} rent on a travel trailer. The house note is in the amount of {$510.00}. That includes property taxes, insurance and flood insurance. The property has 3 different Elevation of Certificates the one I paid for claimed that the property is in zone C, the County and City said it is in zone B, XXXX XXXX, XXXX and FEMA said it was located in zone A-12. On XX/XX/XXXX Ditech sent me a letter stating that they could not help me with the landlocked issue. Ditech said I was in forbearance so I used some of the monthly payments to try getting back in the home and then received a Notice of Default to be cured by XX/XX/XXXX. The Title Insurance Policy in the amount of {$52000.00} has been paid out to an unknown company while the property is still land locked and uninhabitable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have rights under 15 USC 1681.

According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts : XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$1100.00} ) XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$5300.00} ) XXXX | XXXX XXXX - XX/XX/XXXX ( {$110.00} ) XXXX XXXX | XXXX - XX/XX/XXXX ( {$950.00} ) I demand the accounts listed below are removed due to fraudulent activity from ongoing identity theft as my legal team provided further investigation on their end with proof ( which was sent ). 

I have disputed with the creditors and Transunion credit bureau in XX/XX/XXXX and XX/XX/XXXX. I demanded method of verification on XX/XX/XXXX and I have not yet received this beyond the 15-day timeframe. They are unable to verify because this is fraudulent which by law requires for these creditors to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX 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
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: NC
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 were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-03-30
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To ensure complaint of most up-to-date, accurate, and correct personal information being reported in the credit file at all time. 
Hence, my credit file is not confused with people of similar name, Date of Birth, address or SSN.

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 2019-08-11
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants Account XXXX Amount ; {$2700.00} Company received merchandise backed as a result of a trade in device. Paid final bill and company is attempting to Collect on a late fees that were generated as a result of them not canceling all lines on the account as requested when the account was pulled and merged to a different provider. XXXX failed to cancel this account. I have spoke with numerous of executive offices who have not settled the matter. Please display documents and multiple phone calls and notes from agents to display my request. Please note that if we owed any said money to XXXX at time of transfer the request wouldnt be accepted the company was billing for lines that were canceled and devices turned it that has not credited the account. Please advise to remove or display documents as such within 30 days failure to do so please remove item from report or I will exercise my right under FCRA to sue for false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX Account Number 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 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 2023-02-17
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
An annual fee was billed XX/XX/18. I notified Barclays I no longer wanted their Frontier Airline account and they billed the annual fee anyways.They eventually reversed the fees and close the account but they never removed the late marks and they closed it showing bank request rather than customer 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 2018-11-27
Company: DISCOVER BANK
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 have never gave legal consent to XXXX XXXX XXXX to run my credit an their for causing an inquiry and a negative impact on my credit report and fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
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 began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting 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 explanation
Consumer complaint received 2023-11-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX was totaled in XX/XX/XXXX. I have repo fees that were added to my account twice and the interest wasn't adjusted until XX/XX/XXXX when the contract states that in the even of a not at fault total loss, the interest would be reduced. It wasn't reduced till XXXX. I asked for a proof of the payments to repo company. I was overcharge by Prestige on repo fees. I'm requesting proof of what company they paid and amount. I never received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have unknown addressses on my credit report and XXXX XXXX XXXX has appeared on my report without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent.

Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: R & B Corporation of Virginia
State: VA
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:
Unlock my balance, I never put any outstanding balance please remove it from my account. This account is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting 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 explanation