BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
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: Account information incorrect

Complaint:
XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are Collections on my credit report that I was not acknowledge of this being on my report I sent a dispute to all three credit bureaus they havent got back to me XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Amount {$870.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Amount {$670.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$600.00} According to the law XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the nouce or ine dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. Trans Union, XXXX, XXXX have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX BAL {$500.00}

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
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged overdraft fees when the money was there

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 2022-12-09
Company: EQUIFAX, INC.
State: MI
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:
XXXXXXXX XXXX XXXXXXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A XXXX was filed, but I have not received my copy. 

XXXXXXXX XXXX XXXXXXXX shall remove this charge off from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 8 student loans on my credit report. All 3 credit TransUnion, XXXX Ive since then been calling and get no help. As to why was my student loans reported to my credit

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 2019-11-05
Company: EQUIFAX, INC.
State: OH
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:
Dont know how to go about this but I have a serious issue of some account the I never recalled applying for any credit cards in my name. I found someone opened an account with the follow companies : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX   # XXXX****, XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX. I was never a Authorized User on anyone 's account so I know the account was not mine nor the companies above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Professional Receivables Network
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sage capital recovery, contact me XX/XX/23 trying to collect a debt I do not owe. My personal information was misused / identity theft and I am unaware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is claiming that I owe them {$1100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Exeter Finance Corp.
State: OR
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Debt Recovery Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being billed for a XXXX debt that was paid and settled in XXXX. I have emailed and written to the company and the response I received was : '' Hello. We will certainly notate your account of your dispute, and collections will continue. '' XXXX XXXX XXXX XXXX XXXX XXXX of Client Services I have contacted the original creditor, XXXX XXXX XXXX and they confirmed that I have no outstand balance in collections. The account number provided by Debt Recovery Solutions as the original account number is not even one of their account numbers. 

I believe this is a fraudulent attempt to collect on a debt that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
Portfolio Recovery has been listed as an installment loan on my credit report. PRA is not an installment loan company and I have never held an installment loan with PRA. 


I have contacted PRA several times about this issue and they claim that the consumer reporting agency is responsible for this error. I have reached out to XXXX  several times and they responded that the company has no control over the information published by a reporting company and that it is PRA 's responsibility to report correct information.

This is a known issue and tactic with PRA. Several complaints have been filed against PRA for this same issue.

I have mailed 3 certified mail letters to PRA about this issue and have never received a response or correction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
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:
This is the second time that I have filed this report. I have reached out to the mortgage company regularly and it never gets fixed. I keep getting told that it take a couple of months to get fixed, and to just wait. It has been escalated to a higher level, but it still does not make a difference. My credit report shows that I have never made a payment, when in fact, I have made them. As a result, my credit score keeps declining, and my family and I are trying to move, but because my credit score has become so low, we can not move. 

I am simply asking that the mortgage company make sure that my payments correctly link to my account, and also to go back and have my credit score to reflect the true payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/XXXX, i paid {$280.00} for my payment due on XX/XX/XXXX. On XX/XX/XXXX i saw on the BMO app that they had double billed me. I called the customer service number and spoke to someone who assured me that after the XXXX days they required they would see the extra charge and it would be returned. however on the XXXX my bank account was overdrawn due to the double charge. i again called BMO the first call was disconnected after XXXX minutes of waiting on hold for an answer the second call I was told that they could not return my money due to the fact that it was an " auto deduct '' which it was not my payments are scheduled for the XXXX not the XXXX. after several more minutes I was told that the best she could do was apply the extra payment to XX/XX/XXXX and I said fine but XXXX require that in would not have another payment due till XXXX, I said fine but i require that in writing, i was refused, I argued and was then told I would receive a letter by E-Mail shortly. it never came. Now when I look the BMO app it shows the initial payment was taken for XXXX and the stolen payment came off my principal wholly. this tells me that they never had any intention of crediting my XXXX bill and will simply auto-deduct from my account on 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 2018-08-24
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: Account status incorrect

Complaint:
PURCHASED HOMES XXXX AND XXXX ON REPAYMENT PLAN AND LOAN MODIFICATION SINCE BANKRUPTCY DISCHARGED XXXX MY CREDIT SCORE KEEPS GOING DOWN, ONLY HAVE 2 REAL ESTATE LOANS, NO CREDIT CARDS OR REVOLVING ACCOUNTS, NO OPEN ACCOUNTS, YET CREDIT SCORE WENT FROM XXXX TO XXXX IT SHOULD BE GOING UP NOT DOWN .... PLEASE ADVISE 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 2018-02-25
Company: Experian Information Solutions Inc.
State: MT
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:
There are many mistakes appear in my report without my understanding.

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 2020-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of 2020 I discovered {$1200.00} in fraudulent charges on my Chase Sapphire Preferred Visa card that began in XXXX and ended in early 2020. They are charges to an entity called XXXX XXXX CA, XXXX   XXXX XXXX CA and " XXXX XXXX XXXX CA, with a couple of spelling variants appearing on the statements. The charges are primarily in amounts of {$9.00}, {$50.00}, and {$99.00}, although there is at least one for {$9.00}. I reported this to Chase on XX/XX/2020, then heard nothing from them despite assurances that I would receive an email regarding my report as well as a follow-up within 5 business days. I then called Chase back on XX/XX/2020 for an update, and was told that some of the charges had been refunded to my card, but that the fraud department was still working on the case and that I should expect to hear from them soon. Indeed, when I printed my statement on XX/XX/2020, {$470.00} had been refunded to my account, along with {$72.00} in corresponding interest. I then heard nothing from Chase until I called them again on XX/XX/2020, at which point I was informed that the fraud department was still working on the case, and that some of the charges that had initially been refunded had been re-billed to me. I checked my statements and found that {$120.00} of the initial refunded amount had been removed from my statement and re-billed, along with {$10.00} of the adjusted interest. To date, I am only seeing credit for {$350.00} of the fraudulent charges on my account, this case has been ongoing for over a month, and Chase still owes me {$870.00} plus associated interest. Please help, as it appears they intend to continue dragging this out and giving me the runaround indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX XXXX Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-30
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: Account information incorrect

Complaint:
XXXX removed the account attached from my file as I have no recollection of who XXXX XXXX XXXX is. I submitted the disputes and no action is corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, we became behind on payments. Vanderbilt Mortgage scared my husband into signing paperwork that would give us a balloon payment of {$27.00}, XXXX. They threatened us with foreclosure even though we were only 2 months behind on payments. Now ( XXXX ) we are trying to sell our house and they [ Vanderbilt ] are telling us we have to pay the balloon payment before we can sell. However, in XXXX as well as a couple times in early XXXX, I called and asked specifically if we had to pay the balloon payment before selling the house. We were told no, that we did not have to pay the balloon payment before selling. They made the balloon payment our only option knowing we couldn't afford to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Zions Debt Holdings
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have written XXXX, XXXX and XXXX in XXXX XXXX about removing this collection from my credit report. The debt was removed in XXXX cause it was 7yrs old. Now 2yrs later Zion Debt Holding LLC Acct # XXXX. {$880.00} put it back on my credit damaging my credit. I have taken the necessary steps of writing the bureaus to let them know that this should be removed from my credit report several times. This letter that I uploaded is my second letter. Thank in advance

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation