BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I kindly request that you delete this account as it does not belong to me. I am extremely upset that it is appearing on my credit report, and I am deeply disappointed that I have been subjected to this situation. I urgently demand that the business promptly removes this account from my credit report as it does not belong to me in any way.

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 2019-09-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland credit management sent a collection letter stating that a judgement had been entered against me when in fact there was no court hearing for a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2020 ( Monday ) at XXXX XXXX, I went to see a banker at HSBC USA XXXX XXXX XXXX branch to open a checking and savings account. So, I did spoke to a banker and my checking and savings account were opened. He then offered me to apply for a credit card. I told him that I don't have SSN/ITIN and credit file in the USA and my application might get rejected since I am a XXXX XXXX and I live in XXXX. He said it is fine to proceed with the credit card application since he can verify my identity by going personally to the branch and also the fact that I am already a HSBC customer in XXXX. I handed to him my XXXX passport and my HSBC XXXX debit card as my ID documents. It was a paper application and he let me sign and dated it. He also mentioned that since I don't have a US credit file they will use my bank history with HSBC XXXX. 

A few days later, I chatted with a live agent when I logged-in to my HSBC USA online banking to check my accounts and asked the agent about an update of my credit card application. He checked it for me and told me that it was declined. It was very disappointing. 

I was expecting that they would consider my application since I am a first time customer of HSBC USA and a long time HSBC customer globally in general. I hope that the account opening team would have considered my application based on the factors mentioned above. They should have given first time customers a chance to use the credit card responsibly. Furthermore, I am not sure, however, they might be doing this because of the COVID-19 issue and is very stringent on giving out credit cards. They should have reviewed it manually rather than computer based decision. In my opinion, the decision was not fair enough. They have misjudged my application. I emailed my banker about this issue, however no response up to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Bread Financial Holdings, Inc.
State: NY
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: RMS-Recovery Management Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was made aware of an account in collections with Recovery Management Serv on behalf of XXXX University in the amount of {$3400.00}. I have not been contacted by the agency since this debt was listed on my credit report on XX/XX/XXXX. 

This debt appears to relate to an issue from XXXX where I was corresponding with XXXX XXXX and XXXX XXXX from XXXX University. The charges were for coursework that was not taken and dropped prior to the start of class which should have resulted in a full refund. 

XXXX XXXX originally advised that this account was in collections with XXXX XXXX, as shown on my credit report at the time. However, when it was removed and marked closed I considered the matter resolved. 

I am unsure of who Recovery Management Serv is and/or how to dispute this debt that has now been on my credit report for 4 months.

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 2020-07-15
Company: Riverwalk Financial Corporation
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is trying to collect on an invalid debt. Primary issue is that this is from student debt to a school that was shut down by the Attorney General for being unlawful and unaccredited. XXXX XXXX XXXX All of the debt has been forgiven. The other issue is that this collection company is not legally able to even attempt to collect on a debt to a resident of Illinois. Upon trying search for their Collection license in the State of Illinois, I discovered that they are in fact no licensed. They will say that their parent company is licensed but when pressed for the name of that parent company, the representative did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANSUNION has verified that these alledged accounts are accurate. I have repeatedly asked for the method of verification and demonstrate that these accounts are METRO 2 Compliant

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 2020-04-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This bank IS offering " financial relief '' as published and listed on their own website, help in forms of " DEFERMENTS '' for customer loans that are including HELOC 's and this info IS as per the TD bank website and I read this in many other forums on the internet to support this. It is published information that TD bank itself IS offering COVID-19 help for those loan products and DEFERMENT is only LISTED on tdbank.com, COVID-19 updates, that info says updated as of XX/XX/2020. It does not even state forbearances listed but I do not want any forbearance when I've been asking for a 3 month deferment! 

HOW DOES A BANK NOT HONOR THEIR OWN COVID-19 ASSISTANCE OFFERING TO HELP THEIR CUSTOMERS DURING THIS CRISIS WITH DEFERMENTS on HELOC 's?? I AM MIND BOGGLED HOW THEY ARE ADVERTISING THIS but WHEN YOU CALL THEM TO ARRANGE IT, THEN ITS A WHOLE DIFFERENT STORY THAT DEFERMENTS ARE NOT OFFERED? ISN'T THAT ILLEGAL AND DECEPTIVE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MD
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ Data continues to call regarding a debt that is in a legal dispute. They also placed the debt on my credit as a collection even though they are aware the amount and matter is a legal matter.. They continue to call me after I advised them this is a legal issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}

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 2023-06-21
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2020-11-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have 3 accounts on my credit report that have been previously removed but they are showing on my report again. I would like to have these accounts deleted immediately. attached are the accounts in question. all of my personal info is also included

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 non-monetary relief
Consumer complaint received 2021-06-25
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: Credit inquiries on your report that you don't recognize

Complaint:
On ( XXXX XXXX XXXX ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act ( ALLY XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666 states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2019-06-27
Company: EQUIFAX, INC.
State: OH
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:
Equifax and XXXX  are reporting incorrectly ( 60 ) days past due on the XXXX XXXX  partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Moran Financial Group LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I contact Mrs.XXXX  XXXX to assist me a purchasing my first home. Okay missed while collecting all my information got everything she asked me to get. XXXX XXXX induced me to XXXX XXXX the realtor, He show me homes from XXXX to the second week of XXXX and that's when I pick out the home that I wanted. Gave them {$2000.00} earnest money pay {$600.00} for the appraiser and XXXX for the inspection. Everything was going good but I had to get like three extensions because all parties could not get in touch with Mr. XXXX week later waiting on the XXXX to approve and to look over the papers making sure everything was in order. XXXX was approve XXXX XXXX. XXXX XXXX didn't contact me until XXXX XXXX after XXXX XXXX. XXXX XXXX Weekend.  Asking for more documentation that which I had already turned into Miss XXXX XXXX XXXX XXXX had left the company.I got a phone call on XX/XX/XXXX from XXXX XXXX stated that he would be taking over the long process of me going to the closing of my first home as time went by XXXX nothing no call ) 2 weeks I haven't heard anything from Mr. XXXX so I decided to get him a call myself he always send me to the voicemail or text me stating he's in a meeting, or he will call me after XXXX. So I decided to call Realtor XXXX he stated that he been trying to call and get in touch with him also also the the seller couldn't even get in touch with him we all have text messages going back and forth with XXXX XXXX so the founder was he has been holding my loan for 90 days and the seller decide to pull out of course I lost my {$2000.00} I wasting my time with XXXX with the appraiser and XXXX for the inspection I called and let him know what was going on he was trying to call Miss XXXX back the seller I asked for another 30-day extension. All the time he never sent me the CD for closing so when I asked him since I lost my money What he going to do to accommodate me my {$2000.00} earnest money {$600.00} appraisal fee. XXXX XXXX told me there's nothing he could do because it wasn't his fault all I'm asking him to do is give me my {$2000.00} back for the earnest money my {$600.00} appraisal and my inspection and call it a day he told me he would never give me anything because it wasn't his fault. I have proof of everything. And I really feel he was very unprofessional always texting won't pick up the phone to call always give you different lies, or he always in a meeting, or or he's taking care of his dad going out of town.So my point is how can XXXX work on my loan a try to get me closing and you doing all these extra activities there for you never looked at my folder or try to get me close and never sent me the CD before the closing. 

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation