BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-23
Company: Kinum, Inc., Indianapolis, IN Branch
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a checking account with XXXX XXXX XXXX XXXX XXXX which I accidentally overdrafted in XX/XX/XXXX ( used checks from the wrong account ). The account went into collections with Kinum , Inc. out of XXXX XXXX, Virginia. Kinum reported the amount ( {$2600.00} ) consistently on my credit report through XX/XX/XXXX. On, XX/XX/XXXX, the full amount was withdrawn from my personal account paid to Kinum directly via ACH ( Auth # XXXX ) with promise from them that they would notify the credit bureaus and also XXXX XXXX that the debt had been paid. Since that time, they have stopped reporting to the credit bureaus ( nothing since XX/XX/XXXX ) altogether and my credit report still shows an open account with unpaid balance, but have also never reported the payment to XXXX XXXX via letter or email as they stated would happen. Additionally, XXXX XXXX still has not received the funds. I've called Kinum multiple times and their excuse changes each time. I've notified XXXX XXXX, but they can't do anything about it as it is in the hands of Kinum. At this point, it is clear Kinum has perpetrated a fraud and is holding the funds without consequence. 

Kinum, Inc : ( XXXX ) XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
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:
I believe I started this dispute in XXXX and was just now notified of the results. Equifax is not allowing me to log back in because apparently the information I provided does match to my file. Even though it did less than 3 hours ago when I logged in the first time. They obviously did not investigate properly or the results would be accurate. This particular account with XXXX XXXX was settled in XXXX. I have had so many unnecessary problems with this company it's unnerving. I have been trying to clean up my credit by paying off accounts so I can provide a nice home for my family and Equifax has been thwarting my efforts out of what seems to pure laziness. Pictures of the paid account and their " investigation '' results are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, I was cleared and Processed of a payment of {$1400.00}. I made a sale through paypal from a buyer that I have been doing business with for past few years. XXXX bought a rare signed XXXX XXXX XXXX from me at a price of {$4300.00}. This was supposed to been wired to my account as I instructed. I also sold {$1000.00} rare comic to a different buyer as well. Both deposits entered into my account and all was fine for few days. After spending most of money, account was frozen and closed once more by XXXX from Fraud department. After selling 5 different iyrhs to 5 different buyers at different locations, bank tells me they sent all monies back. So my property and money was gone. I asked was all the transactions verified if good or bad. The manager said they did not check all. This was unacceptable when most of money if not all was good. This was done in one of my credit cards from US Bank. I should had been notified before monies sent back for international bank to verify once more. I spoke to them several times and assured it was all good.

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 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a public record on my credit report being displayed as tax lien. This is being displayed inaccurately. I was on unemployment and there was a wage garnishment placed to repay some of the funds i was allotted. Also the public record was placed more than 7 years ago and should be removed from my credit report. This is negatively impacting my credit report and is being inaccurately reported by the XXXX major credit reporting bureaus.

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 2018-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was using card, after all cards were checked for activation, but when i got to register it was closed.

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 2021-07-16
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened US Bank account in XXXX and made 2 direct deposits to the account to meet open-account bonus requirements ( open account bonus promo:XXXX ). But after 4 months, I haven't got my open account bonus.

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 monetary relief
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion File Number XXXX XX/XX/2018 Account Review Inquiries has XXXX XXXX -- -- XXXX XXXX XXXX -- -- -- XXXX XXXX -- -- -- -- XXXX XXXX XXXX -- -- - XXXX XXXX XXXX showing on Account Review Inquiries and I don't owe any of these companies and should be removed

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 2018-12-16
Company: EQUIFAX, INC.
State: IL
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:
The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was told accounts would be consolidate and interest would be frozen so I would just pay the principle. Mentioned one account was for when I was XXXX. They did not have records and I was not sent contract. Interest accrued:XXXX. Was told I could pay XXXX and then amount was changed to over XXXX. They lost my records and are missing 3 years of transcripts. Get everything in writing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Was not notified of investigation status or results

Complaint:
There has been a violation of my rights under Federal law against XXXX and Equifax. If these accounts are not removed from my report immediately, I will have to take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXXXXXX XXXX XXXX XX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021

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 2021-06-07
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account on my credit from Credit Control Corporation that does not belong to me. I have contacted them several times in hopes of getting this issue resolved and to no avail was we able to get anything accomplished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX has an amount of {$250.00} they accuse me of owing, they have sold this account to several collection ( Transworld Systems Inc and Now XXXX XXXX XXXX ) agencies. Which XXXX XXXX has reported this item on my credit report in the amount of {$310.00}. In X/X/2015 my daughter was seen at XXXX XXXX Hospital, while she was still covered under XXXX ( which expired in X/XX/15 ). So someone drop the ball and did n't charge or follow up with XXXX and now harassing me for an amount that they think owe. I tried to resolve this several times. I even made one payment in error not realizing that this was an account that was suppose to be paid by XXXX. When I requested for my money back they said no. I 've sent a letter too, stating that I do n't owe this money. So here we are now 2 years later. I 've never received a letter from this XXXX XXXX XXXX of validation of this account ; and the amount they are trying to collect is {$310.00} which is a different and higher amount. They reported it to the credit bureau, I called them to inquire and they ca n't even find me in their system, but yet this charge is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on Experian reporting account transferred to another office and last payment XX/XX/2013.

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 2019-09-11
Company: Eagle Recovery Associates, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CALLED MY WORK NUMBER THIS MORNING. I HAD TO VERIFY MY NAME BUT THEY ALSO WANTED ME TO VERIFY MY HOME ADDRESS, WHICH I WOULD NOT, AND SHE SAID THAT'S FINE AND WOULD CALL BACK LATER WHEN I WOULD VERIFY INFORMATION AND HUNG UP. USING THIS NUMBER XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-06-23
Company: Experian Information Solutions 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:
In my previous Complaint # XXXX On XX/XX/XXXX I submitted a disputed with Experian explaining to them that according to my personal bank statements that I clearly show I was NEVER late with XXXX XXXX XXXX on the following dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have also reached to XXXX XXXX and did not recieve any response. 

Also XX/XX/25 I submitted a disputed with Experian explaining to them that they are ruining my credit worthiness by reporting untrue loans, from XXXX XXXX Loans as 3 different loans on 3 different places on my report. THIS NOT TRUE and is unfair. The accounts have 3 different open dates and some have OPEN DATE 1 ) .XX/XX/XXXX 2. ) XX/XX/XXXX 3 ) .XX/XX/XXXX with all 3 having the same account number. Also all 3 are reporting CLOSED and CHARGED OFF with a BALANCE of XXXX or XXXX and a MONTHLY PAYMENT AMOUNT! tThey have been allowing them to fluexate the amount to increase a XXXX then decrease. Its insane!!! This shouldve been deleted long AGO! How is this ok? Payment status show current and account status shows closed!!!! I have contacted with no proof and it resulted in the other bureaus deletions.I have begged for methods of verification its been OVER 30 days since I begin to pursue this issue! it has really caused major issues. 

ON XX/XX/XXXX I indicated I DID NOT apply for credit, GIVE ANY WRITTEN OR VERBAL CONCSENT or BAT MY EYE, SEND SMOKE SIGNALS OR ANYTHING ELSE to any of these companies yet they remain on my report.I HAVE NOT APPLIED TO ANYTHING NEW! WHY WOULD I WHEN I HAVE OLD ISSUES STILL PRESENT. I have filed Police reports and placed fraud Alerts to have them removed YET they are still on my report ALONG with new inquires! This is very troubling as I am trying desperately to get my life on track. Please assist me in getting these things addressed properly.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
All XXXX credit bureaus made a report with out my consent and inaccurate information is also on my 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 2020-12-16
Company: Experian Information Solutions Inc.
State: AL
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 had a charge from XXXX XXXX  back in 2018. It was a charge from XXXX XXXX  satellite company. It was for equipment that was lost in transit when I closed the satellite account. I sent the equipment back and it was either stolen or lost. XXXX XXXX charge me for it and I told him I was not going to pay it. So it went to this company. My bill with XXXX XXXX has always been 100 %. My credit profile is also pristine and I have exceptional payment history with every creditor I have. In this collection is a defamation of my credit profile. Ive disputed it three times. And it was resolved on XXXX XXXX and the XXXX  bureaus. It was deleted from my credit profile in XXXX of this year. I had been on a three-way call with the creditor and experience for two hours. And we could not resolve the issue. XXXX  interstate is a terrible company and they said its against their policy to remove some thing. And Experian just wanted permission from them to remove it from Experian. I dont care if the creditor keeps it on Their end or not. But when Im trying to buy a house this is not working out and it does not justify my background and credit history and is almost illegal because it wasnt a collection on my actual satellite account. I should not have even paid the bill off. I paid it a month or two after it showed up on my credit report and shouldnt have out of Ethics because I shouldnt be responsible for it. Please request the phone call I made last week from XXXX. It was a three way call with Experian, XXXX and myself for 2 hours.

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 2018-04-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This is about a seven year old medical bill that Equifax refuses to remove and keeps letting the collection company report it. XXXX XXXX XXXX is the collection company. XXXX XXXX XXXX is the original debtor. Amount is {$620.00} First delinquency date is XX/XX/XXXX. It is still listed on my credit report and the last update was on XX/XX/XXXX. I have asked that it be removed as stated by federal law on consumer debt after seven years but Equifax refuses to do so and just keeps on letting it be updated every month.Fair and correct reporting is what they say but I do not ever see it when it comes to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: BANK OF THE WEST
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A vehicle loan with Bank of the West that was charged off is reflecting negatively on my credit report. I have filed XXXX disputes regarding the information that is being reported under my name as it is not accurate however, the disputes are closed out and updated by the creditor adding more to the amount owed each time which in turn has continued to lower my otherwise good credit score. I have spoken with Bank of the West prior to the charge off occurring which was back in XXXX and again in XXXX at which time they were informed of the changes with the account along with the court order for the account holder to remain the only responsible party and for my name to be removed as I should no longer be legally responsible for this account. The court order was finalized XX/XX/XXXX. Since XXXX, there was a court order of protection in place preventing any form of communication between the account holder and myself and we received our final court order XX/XX/XXXX at which time the judge determined XXXX XXXX to be financially responsible for this account. I have communicated this information with Bank of the West with no avail. The last dispute I had submitted was closed out after information was updated inaccurately.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reached out Over 30 days ago. I never received any letter or any other 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 non-monetary relief
Consumer complaint received 2018-12-21
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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX   Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}

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 explanation