BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
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: Investigation took more than 30 days

Complaint:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.

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 2018-05-24
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX VA have claimed for medical services but they provided lab services and sent bill to wrong insurance company which is the parent company of XXXX XXXX XXXX XXXX XXXX. The insurance company paid lab portion of the bill but not medical services. I have asked the XXXX rep about it. They told me to provide my Insurance ID and Copy of my Driver license once again and they will correct it and I did. 
Two bills one for me and for my wife {$89.00} each for medical service but we both went to get the lab work done which is covered by our insurance. Our primary doctor covers all medical services and our insurance pays 100 %. XXXX XXXX told us they participate with our insurance and the bill will be covered. XXXX XXXX XXXX never called or send us the final bill showing if insurance didn't pay after their submittal or what portion of the bill is paid by insurance. Instead they have sent it to collection agency. This is totally unexpected behavior from a reputable company like XXXX. If we owe or didn't call them than they could take action as needed. They ignored to inform us or made any attempt after my submittal of requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because Experian has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to 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 2020-07-02
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 am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity thief. My information was exposed in 2017 through XXXX  data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter 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 explanation
Consumer complaint received 2020-07-02
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:
id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine

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 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the business trip tn XXXX, on XX/XX/2020 around XXXX my rental car was burglarized. My cell phone, computer and wallet were stolen. I filed police report locally. Also I called my Bank of America to report stolen cards, but it was too late. Someone used them. Thefts used, stored log in information from my computer or cellphone to gain access to my bank profile. Money were moved from one account to another, lately cards were used in Jewelry shop. 
I filed few claims for unauthorized cards usage : 1 ) claim # XXXX - {$900.00} ( account:XXXX ) 2 ) claim # XXXX {$7900.00} ( account:XXXX ) 3 )  claim # XXXX {$7900.00} ( account:XXXX ) Police report was submitted, investigation took more than a month leaving me without all my savings. At the end all claims were denied without explanations. I stopped paying my mortgage because I don't have any money

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 2018-05-24
Company: Sequium Asset Solutions, LLC
State: KS
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 disputed this debt on several Occasions and the debt collectors XXXX has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are XXXX XXXX and sequim please remove these account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Midwest Recovery Systems
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Midwest Recovery Systems just slapped a fictional, new debt on my credit. This is so infuriating! There is no reason to believe this is a legit debt, because I've been insured for 5 years and this is a supposed medical debt. They have an awful rating with the XXXX and multiple consumer reports. Plus, in accordance with Ohio law, I am entitled to correspondence from a debt collector before anything is reported on my credit. I did not get a phone call, a letter, nothing. I'm currently going through this with 2 of these scam companies. Oddly, this happened 3 days after my XXXX credit line was massively increased and reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We paid off a truck loan on Tuesday, XX/XX/XXXX and it cleared our bank on the next day, Wednesday, XX/XX/XXXX. Huntington Bank said it would take 10 days to report the sale to the XXXX XXXX XXXX for release. I sold a car several years ago and all the business was done in one day. The money used to pay off the truck loan is from the buyer of the truck who is waiting on Huntington Bank to release the title. Since all this can be done electronically, it seems like 10 days is a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: LAKEVIEW LOAN SERVICING, LLC
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: Investigation took more than 30 days

Complaint:
I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( Lakeview ) stating that the account has been paid off and closed. 
XXXX  report does not reflect this although the XXXX  's does. 
I disputed the situation with XXXX  and provided them with a copy of the paid off statement. 
In both cases XXXX  found the info about mortgage account as the correct one. It has been already almost 3 months while XXXX  can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite several attempts to have Wells XXXX remove inaccurate information listed below from my credit report it still remain in violation of the far credit reporting act.

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 2021-11-05
Company: CCS Financial Services, 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:
Reviewing my credit report I found a collection account for an alleged debt I do not owe. This account was created in my name and attempted to be collected on which is identity theft. Outside of that there would have been no written consent for this to be furnished on my credit report under 15 U.S.C 1681b ( 2 ). I am deeply distressed by the defamation of character this has caused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: AR
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 XX/XX/2020 I disputed the XXXX XXXX  entry reflected on my credit reports with Equifax and XXXX  Credit Bureaus. Both bureaus alleged that XXXX had verified, yet not validated the debt. To that end, in XX/XX/2020, I sent XXXX a dispute letter requesting debt validation ( See attached copies ). XXXX is in receipt of the letter due to me not ever receiving it back as returned or undeliverable ; however, to date, they have opted to not respond. 

This is a blatant violation of my consumer rights given XXXX never sent me a dunning letter prior to inserting this derogatory entry on my credit reports. I have never done business with this company. Additionally, the reporting among Equifax and XXXX  differs. The continuous negative reporting of this entry on my credit reports does not reflect my creditworthiness and has led to me being denied credit. 

Since XXXX did not provide : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt How then are they reporting this information as if it is accurate? 

I am requesting that this entry be deleted/removed immediately from my credit reports due to their failure to follow FCRA, FDCPA, and FDBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
reporting wrong address please correct

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 2020-05-16
Company: CORELOGIC INC
State: GA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

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 2017-08-03
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company LexisNexis has multiple inaccurate criminal and motor vehicle background reporting for my records in the state of Connecticut. I have contacted them via phone and email communication starting X/XX/2017. During my contact I established ticket ID # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. I have received no response from the company after multiple contact attempt, last of which is on XX/XX/XXXX. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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 have dispute this account over and over and I never get no verification of any document sent to me for any account and these student loan where removed and the credit bureau aloud them to come back on after a year later what verification are the credit bureau even ask the creditor to provided to make sure these account are accurate I would love to know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello I have a Citi card - In my XXXX statement payable on XX/XX/2020 I had a balance of XXXX. On XX/XX/2020 I had a refund of {$980.00} from the airline for a cancelled ticket and this was credited to my credit card account. As this was credited before the bill payment date and the amount was more than the bill amount - we expected this to be a payment received before the due date and did not pay anything more towards this bill. We were surprised to find a late payment fee of {$29.00} being charged on XX/XX/2020 - we called the card company and they said even if other credits are there, she has to pay the minimum amount to avoid the late fees. After much argument they agreed to reverse the entry. Today I used the card in a store and it was rejected. On calling the Card company, we were told that the card has been inactivated as no minimum payment was received. We have made the minimum payment now. We felt this was an unfair trade practice and would like to complain against this. Request you to take action so that it does not happen in the future. Thanking 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 explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page 5 para 2 ) XXXX  representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Just got off phone with Transunion. Once again lied and stated they sent the factor sheet explaining their credit score. It was not included and they will not give it to me. How can they judge me and not tell me how. XXXX ( supervisor special handling unit ) was most uncooperative, stating I had to pay {$9.00} to receive factor report. I demand an explanation and documentation on their scoring system and increase of my score. Countless inquiries made to my report without my knowledge. Had fraud alert on account in XX/XX/XXXX but they did not continue it and I asked for a security freeze, which I bet they did not do. ( agent in XXXX ) I want this corrected. No one is to check my credit and drop my score.

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