BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: CBC Companies, Inc.
State: TX
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:
Unauthorized credit inquiries that I need removed from my report, I currently have a fraud alert and freeze on all bureaus but I need the ones that did get through to be removed. 

List of unauthorized inquires : XXXX  : XXXX XXXX XXXX  XXXX-XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX- XX/XX/2020 XXXX : XXXX XXXX XXXX- XX/XX/2020 XXXX  XXXX-XX/XX/2020 XXXX XXXX-XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX : US SM BUS ADMIN ODA- XX/XX/2020 XXXX  XXXX-XX/XX/2020 XXXX-XX/XX/2020, XX/XX/2020 XXXX XXXX-XX/XX/2020 , XX/XX/2020, XX/XX/2020 XXXX XXXX- XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for credit from XXXX and was denied. They said they could not tell us why. We were notivied later from XXXX XXXX it was because of a previous denial from them. I do not recall any denial so I sent a letter to them asking about the previous denial and what was the reason for that denial if any. After 30 days no response. 
We have never been denied credit before as our credit scores are well above 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 2017-12-04
Company: EQUIFAX, INC.
State: IN
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 tried reaching out to XXXX, EQUIFAX and XXXX  with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Professional Medical Management, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX debt was already paid in full and I would like that to be removed from my credit report or updated immediately please.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: CO
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:
XXXX/XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with XXXX/XXXX XXXX, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2015 I was going to a clinic for XXXX called XXXX XXXX XXXX XXXX XXXX XXXX, PA and they told me they accepted the insurance i had at that time. I believe the main office is located on XXXX XXXX XXXX in XXXX, PA XXXX. Soon after I started getting bills in the mail. So i talked to the reception lady up front and she told me it would be taken care of. I kept getting bills, so i questioned them again i was again told they would wipe the charges off my account since they wrongfully told me the insurance was being accepted. Soon after i quit going to the clinic. I now have 16 different accounts of {$240.00} that are in collections and is affecting my credit. I tried contacting the billing department for XXXX XXXX XXXX and there was no answer and nobody attempted to reach me back. I think this situation is completely wrong and I know of other patients that have ran into the same problem with the company. They are trying to charge me what my insurance should have paid but would not while telling me they were. I feel i was being told false information, I was told the problem was taken care of several times, and now it is affecting my credit and there is absolutely nothing i can do. The debt collection company doesnt want to hear anything about it and XXXX XXXX XXXX is such an unprofessional clinic it can not take care of a simple billing problem. The collections company is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX is reporting 17 hard inquiries on my credit report, 13 of which were for the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with XXXX today ( XX/XX/XXXX ), and they refused to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please be advised that this is my second complaint with the CFPB regarding TRANSUNION. TRANSUNION has made a mockery of the CFPB and the federal law while violating my rights. TRANSUNION has caused me tremendous stress while damaging my reputation, violating my privacy, and committing fraud. 

On XX/XX/2021, TRANSUNION received my written notification stating that they have violated my consumer rights. This was sent via EXPRESS MAIL USPS under tracking # XXXX in which TRANSUNION sign the return receipt tracking # XXXX. TRANSUNION has failed to comply with the letters that were sent to them. 

On XX/XX/2021, I XXXX XXXX submitted a complaint with the CFPB under complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

On XX/XX/2021 TRANSUNION responded with the following statement : We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request On XX/XX/2021, TRANSUNION closed the following CFPB complaints : complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

Stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative which is FALSE. The complaint as well as the letter, ENFORCING my consumer rights, was submitted by me XXXX XXXX, the federally protected consumer. TRANSUNION has no right to make any ASSUMPTIONS. Assumptions are not facts. The fact is I XXXX XXXX submitted the complaint and included with the complaint identification. 

TRANSUNION has furnished a consumer report WITHOUT my written consent. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). I XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft. TRANSUNION has failed to comply with my written demand to IMMEDIATELY delete multiple accounts, addresses, and inquires listed on my consumer report. 

TRANSUNION has willfully failed to comply with federal law. Congress states ( According to 15 U.S. Code 1681 ( a ) ( 4 ) ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. TRANSUNION has FAILED to comply. TRANSUNION has over 205,000 complaints showing their complete disrespect to the consumer as well as Federal Law.

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Not my accounts or inquires

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 2020-05-07
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
ATTENTION : HUD-OIG AND CFPB AMENDED XX/XX/2019 VA HOME LOAN OVER PRICE {$300000.00}. BUILTXXXX. 

XX/XX/2019 COMPLAINT AGAINST ( UWM ) UNITED WHOLESALE MORTGAGE. 

PRICE PLACED UPON THIS HOUSE WE BOUGHT IN XX/XX/2019, ISN'T EVEN WORTH. {$300000.00}. I DISCLOSED HERE BELOW THE CONDITION FINDING HUMONGOUSLY BAD. 

THANK YOU FOR THE INFORMATION : I CERTAINLY ASKING FOR HELP WITH OUR ( VA HOME LOAN ) THROUGH ; " UNITED WHOLESALE MORTGAGE '' HERE IN XXXX, ARIZONA. WE FELT LIKE WE BEING OVERLY CHARGED. AS FAR AS PRICE WISE FOR THIS OLD HOME WE BOUGHT FROM THEM ... IN THE AMOUNT OF : {$300000.00}. AND ISN'T WORTH THE PRICE. 

AFTER A MONTH WE MOVED IN..WE DISCOVERED SEVERAL DISCREPANCIES INSIDE THE HOUSE. IT DEEMED LIKE NO INSPECTION WAS EVER MADE TO THIS HOUSE BEFORE PUT IT ON THE MARKET. ACCORDING TO ITS CONDITIION. " DIRTY FLOOR, CEILLING LIGHTS & FANS AREN'T WORKING PROPERLY, REMOTE-CONTROL TYPE FANS & LIGHTS FIXTURED. SOME CEILLING BRACKET LEFT WITH WIRES HANGING WITHOUT A LIGHT BRACKET. 

SLIDING DOOR IN THE BACK TO THE SWIMMING POOL. AND PATIO CAN'T EVEN OPEN, WAS FULL OF MUD, AND DIRTS. WE HAVE TO SCRAPED THEM OFF CLEAN, IN ORDER TO FREE THE GLASS DOOR, AND SCREEN DOOR TO MOVE FREELY. 

THE SWIMMING POOL WAS ABSOLUTELY DIRTY FILTHY, CAN'T EVEN SEE " TILES DESIGNS '' DUE TO SCUMS COVERED IT. WE HIRED POOL PEOPLE TO DRAINED AND CLEAN-UP INSIDE, AND REFILLED COST US HUGE AMOUNT OF MONEY. SPRINKLERS WAS NOT WORKING AT ALL, EXCEPT ; WASTING LOTS OF WATER FLOWING EVERY WHICH-WAY ; AND NOT SPRINKLING UP AS IT SUPPOSE TO : COST {$700.00} DOLLARS. TOILETS, KITCHEN, GROVES ALONG THE WALLS INSIDE THE WHOLE HOUSE ITSELF ARE EXTREMELY DIRTY. 

WE DID SIGNED THE CONTRACT, and it falls under : " FALSE STATEMENTS STATUTE '' SECTION ( 2 ) Especially, the general federal Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the federal government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use a document known to contain a materially false statement or entry. Wilful Concealment. 

To which ; Compensatory Damages, and Punitive Damages can be consider from the defendant 's conduct is deemed especially egregious. Discourage repetition of such conduct, and set an example for others who might be tempted to engage in similar conduct. 

We are asking for a Rectification price ; placed upon this house. Its NOT Worth {$300000.00} dollars. According to its condition ; NOT reasonable, logically justifiable or justified, conforming to or in accordance with established rules, standards, principles of LAWS AND CONSTITUTIONS. Also ; my Tax-Exemption and my VA home loan benefit, entitlement has not been considering, nor acknowledge at all. Still shown on ESCROW payment  legitimately. 

Respectfully : XXXX & XXXX XXXX XXXX XXXX VETERAN XXXX   XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
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 explanation
Consumer complaint received 2016-02-15
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
convergent OUTSOURCING HAS REPORTED NEGATIVE INFORMATION ON MY CREDIT FILES CONCERNING A DEBT I DO NOT OWE TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a bank reliacard without asking for it, wanting it or having an account associated with it. Tried to fix with number provided but first request was for a phone number-did not provide one as concerned this is a scam.

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 2018-10-05
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/2018, Equifax is discriminating against my name. When I call they try to ask me twenty questions to verify my identity. I am a male and they think I am female due to my higher voice. I answer all their questions correctly and they just keep harassing me with more questions. I then ask to speak to the supervision and they do the same thing. I told them today I was reporting them to the cfpb-they didn't care. 

All I'm trying to is dispute something on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
On XX/XX/XXXX of XXXX I emailed the original creditor XXXX XXXX about a collection account reporting on my credit. I was emailed back on XX/XX/XXXX of XXXX from XXXX XXXX stating that they could not find an account under my name/address that was provided. 
After I received this information, I contacted experian multiple times and disputed this account multiple times about it not being mine. 
I told my credit repair agency that my wallet was stolen in XXXX so they put a fraud alert on my account. 
After that I called XXXX XXXX because XXXX from the dispute center said that I needed a letter from the original creditor and the collection agency stating they don't have any evidence of me in their system for the account. XXXX XXXX said they have no acknowledgement or records stating such account and that they can't send me a letter stating I don't owe them because I don't have an existing account with them. So I called experian back and was told I'd get a call back 3 times last week on 2 different occasions and never received a call. 
Now I call experian today on XX/XX/XXXX of XXXX and they still can't find out why this account is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 " ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2021-07-06
Company: Experian Information Solutions Inc.
State: CO
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:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

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 2021-07-06
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called PNC bank on XXXX XXXX at XXXX XXXX EST to close a dormant account that I just realized had been getting hit with $ XXXX in fees. The account was opened in XXXX by the XXXX, MD branch manager and I had been told that I would never have fees. I requested closure and the balance of {$12.00} to be sent to my military mailing address. They stated that my XXXX XXXX XXXX XXXX XXXX XXXX address is a foreign address and would not close the account because their system wouldn't let them update the address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These items are not my accounts or inquires

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