BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However Transunion and XXXX I haven't been able to contact.Want it off 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 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 2017-12-18
Company: CITIBANK, N.A.
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: Problem with customer service

Complaint:
For purposes of this complaint, I will report only for the year of 2013. 

I was a cardholder and full joint account holder with my ex-wife for Citi Advantage card # XXXX. I was responsible for the debt, the card is reflected on my credit report, Citi provided information on my credit report, payments made to Citi for this card were made directly from my personal checking account to Citi and I have records reflecting thos payments. 

Between XX/XX/XXXX and XX/XX/XXXX Citi collected {$27000.00} from my personal checking account. They refuse to show any charges or provide me with statements. They are saying the primary account holder removed me from the account which reduced me to 3rd party status. I WAS NOT AN AUTHORIZED USER. I WAS A JOINT ACCOUNT HOLDER RESPONSIBLE FOR THE DEBT. The primary account holder was engaged in fraud and will obviously not simply give me evidence that will land her in jail. But Citi was taking money from my account and I can prove it. The balance transfers conducted were made by someone listed as an 'Authorized User ' status that had no responsibility for the debt. I was defrauded by my ex-spouse who was creating debt and conducting large balance transfers on this card. She dropped me off when she filed for divorce and citi is withholding all evidence of the massive fraud perpetrated on their customer, the consumer who was paying the bills! 

The privacy laws cited were designed to protect consumers from unwarranted government intrusion into the private financial records of consumers. They were NOT created for one consumer to hide money stolen from another consumer. Citi is withholding evidence of fraud. I can show they took money from my XXXX checking account - I want to see the debt for which they charged my account or I want a refund right now.

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 2020-09-21
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020 I notified XXXX  that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and XXXX   deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with 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 2017-12-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident of XXXX Apartments from XX/XX/XXXX until XX/XX/XXXX. Once I moved out the apartment complex charged me XXXX for repairs they said they had to make, which was untrue. This debt has been forwarded to the collection agency Pro collect. I spoke with them about this debt and explained that I did n't owe this amount because I left the apartment clean. They were not interested they said I owed the amount. I then filed a complaint with the XXXX apartment association and they investigated the matter. They found that I did not owe this amount and the apartment complex did n't have any pictures or proof of said damages. They found that I only owed XXXX dollars and some change for normal wear and tear. The property management company XXXX also received a copy of the findings. However they refused to accept a payment from me and the collection agency is reporting this on my credit every 90 days or so. The last reporting was XX/XX/XXXX. I have sent them Pro Collect collection agency a copy of the email I received from the XXXX apartment association including the correct amount owed. They have chosen to ignore it. As a matter of fact XXXX XXXX the collection agent in charge of my account hung up in my face and refused to take my calls. They know they are reporting a lie I have sent them the evidence. I have also filed disputes with XXXX and XXXX  regarding this matter.

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 2023-10-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX my account was charged two fees, {$40.00} and {$18.00} even though I did not do anything to be assessed any fees. Please reverse these fees. I opened this account under a promotion for a {$1000.00} bonus and I need to make sure this error does not affect me receiving the bonus. Please fix and address this. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-04-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to get a loan. Banker states there is a freeze on the credit report and he can not pull up. Three major credit agencies : XXXX, XXXX, Equifax. I never even froze it, I don't know who did.

1. XXXX -, no record of any freeze. We are ok with them.

2. XXXX - no record of any freeze. We are ok with them.

3. EQUIFAX - BIG TIME PROBLEM. Will not help and we gave them all info they asked for. 

Began XX/XX/XXXX. Beginning XXXX and throughout the rest of the day. Spoke with XXXX  XXXX, XXXX XXXX. XXXX XXXX. They wanted who our auto loan was with from XXXX, 13 years ago! This paid off XXXX. Why would I keep papers from 8 yrs ago when loan paid off. After 2 hrs searching found ins from XXXX that showed lienholder which I gave them. It didn't match up. I had actual name. I explained to them that frequently companies change names and this could have been the case with mine. But my payments were made to the lienholder I gave them. They would not accept! 

Then today, XX/XX/XXXX, I spoke with XXXX  XXXX who said the same thing then transferred me to XXXX the Resolution Specialist, All telling me the same thing. They they asked about another car loan. My husband had a 2009 van and I had a 1993 XXXX. This was so long ago. I asked them is there any other way to verify it is me cause my Banker is trying to order a credit report. 

THERE HAS TO BE ANOTHER WAY TO VERIFY!. Why are we being penalized because we paid off car loans and I gave them who the lienholder was at the time? They said we need to copy drivers license and social security numbers for both of us and it takes 5 days. I am almost XXXX. My husband is almost XXXX. We don't have a copy machine nor a fax. They said there us nothing they can do. In the meantime, my Lender can not order credit report. The other agencies, XXXX and XXXX were no problem, only Equifax. PLEASE HELP. My husband will also be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 2021-05-20
Company: United Collection Bureau, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
United Collection Bureau ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to XXXX, XXXX, and XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted XXXX, XXXX, XXXX XXXX XXXX and paid the {$310.00} File No XXXX, but they are stating that United Collection Bureau still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from United Collection Bureau and the receipt from XXXX, XXXX, and XXXX. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay XXXX, XXXX, XXXX XXXX? 3. How do I get this removed from my credit ( either completely or as paid )?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Affiliate Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I receive multiple calls from Affiliate Asset Solutions XXXX, LLC. Apparently, they are also known as XXXX XXXX XXXX XXXX, XXXX. I have a phone number that used to belong to someone else, and the previous owner incurred a lot of debt. They call me countless times per day, typically under scam likely tags, although their business name is found easily with a quick XXXX search. Their calls have disrupted sleep and work, costing me more money than the petty debts they are trying to collect that arent mine to begin with. I am being harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Pa housing finance agency was charging me {$100.00} a month, and then it was lowered to {$50.00} a month and it was backdated. Now my experian credit report is showing 180 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, 120 days late for XX/XX/XXXX-XX/XX/2018. They have XXXX past due. This is not correct, based on the payments I have made and my payment amount changing, my credit report should not have any late payments on the dates I provided above.

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 2022-02-15
Company: EQUIFAX, INC.
State: IL
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 XX/XX/XXXX I called the following credit reporting agencies XXXX, Equifax and XXXX to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXX BXXXX XXXX XXXX XXXXk XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXXT, XXXX XXXX : XXXX. XXXX, XXXX AND XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Accounts were included in Bankruptcy & XXXX in XX/XX/2019. I have disputed multiple times bc they keep showing balances and charge off/collection status on experian report. The disputes found in my favor and updated them all to included in bankruptcy, but I'm going in circles bc then a few days later an account will go right back to having a balance. I call and then a rep will fix it then a few days later XXXX of the accounts will go right back to having a balance again. As of yesterday all of the accounts were finally showing as included in bankruptcy and now today again XXXX of the accounts shows {$82000.00} balance again! Can you please fix these accounts so they are included in bankruptcy & block these accounts from changing back again to the way they were prior to the dispute?

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 wrote this company a letter on XXXX XX/XX/2021 wanting all the unauthorized hard inquiries removed and received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TIDEWATER FINANCE COMPANY, 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: Account information incorrect

Complaint:
am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. 
I have a XXXX XXXX  and I am the XXXX, XXXX XXXX  and woman in charge of the entire family group. 
I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. 
In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my small company is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of my XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. 
I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices. 
I HAVE NOT CLOSED, DO NOT LEAVE MY OFFICE DO NOT LEAVE MY staff that moves in commissions. PAY MY OBLIGATIONS AS IT SHOULD BE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: United Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from united collections Bureau incorporated XXXX XXXX XXXX. XXXX OH XXXX. Telephone number XXXX. 
They list the debt of {$7600.00}. This is with XXXX XXXX XXXX XXXX  account ending XXXX. I have no knowledge of this debt and XXXX has no knowledge of this. This notice is dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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:
There is a derogatory account that is reporting on my credit that was never removed. It is past the statue of limitations in New York which is 6 years. My last payment on the account was XX/XX/2014. This account is illegally reporting on my XXXX and Equifax reports. XXXX has already obliged to the LAW. Please remove this account from my report immediately. This is federal offense and is also a defamation of character! 
I have submitted my ID and a utility bill as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
I checked my credit report and looked on my soft pulls. Portfolio Recovery is spamming soft pulls. I do not have any account with them on my credit report or authorized this company. Why would they be doing that? 

PORTFOLIO RECOV ASSOC Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why the heck is Portfolio Recovery doing Soft pull spams on my account? 
A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 
FCRA 604 ( a ) ( 3 ) ( A ).

If the debt collector does not have active collection authority on a debt of the consumer, they have no permissilbe purpose. 
The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report.

If there is no unpaid debt for which the debt collector has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
I have already submitted disputes regarding this issue and got no action. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently

Company response to consumer: Closed with explanation