BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
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:
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, Transunion, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion : XXXX XXXX- Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX : XXXX XXXX Account Number 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 2022-03-08
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I reached out to the three credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( XXXX XXXX XXXX XXXX jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed from my credit profile I sent the letter to XXXX XXXX XXXX XXXX, SC XXXX, after about 30 days XXXX XXXX to be exact I received correspondence and received confirmation from XXXX XXXX Bank stating this account will be removed, which was the resolution I had asked for, everything was good up until around 45 dats after the removal I seen a new account added back to my credit profile with a different Creditors name I challenge them and asked why was this information I just challenged recently in the past and had removed back placed on my credit report, they stated they now manages the old Creditors account under a new business name so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate considering it only appears on XXXX of my credit reports which cant be 100 % accurate an as a Consumer that put me and my credit at great jeopardy. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of USPS receipts, Im asking that you please remove this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: OK
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 was looking through my credit report and these unverified accounts still reflects negatively in my credit report. I've asked each one of them along with the credit bureaus to please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature and me authorizing an inquiry. In the absence of any such documentation bearing my signature. and I formally request to remove these unverified negative accounts and all non-account holding inquiries over 30 days old in my credit file. Please note that Ive given them plenty of time to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Exeter Finance Corp.
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:
XX/XX/XXXX, I Reached out to the Main CRAs requesting a updated copy of my credit report, upon reviewing I noticed that a auto loan ( EXETER FINANCE ) was erroneous reporting inaccurate information on my profile putting me as a consumer at great risk and jeopardizing the integrity of my credit, so I decided to challenge the inaccuracy Exeter Finance put on my credit profile, as a consumer which I have the right to take any action I feel is necessary to make sure everything on my credit is as it appears 100 % accurate, well while doing so I stumbled across some information that was reported in accurate so I reached out to the 3 credit bureaus asking can this issue get a further investigation unfortunately only response I received from the credit bureaus was that the information was verified accurate which in fact is false I know this for a fact because I have via certified letters from the direct furnisher to support my allegations, so I found what the credit report reported was not only invalided but by law I believe they have violated the FCRA laws with what they have allowed to be reported as accurate unfortunately. Not only did they say back in XX/XX/XXXX they had the vehicle in there possession which was being auctioned off at one of there facilities but also the opening bid will open at {$7200.00} how is that so when XXXX XXXX when I reached out regarding this account they say the balance is still {$28000.00} thats contradicting not only for EXETER FINANCE BUT ALSO FOR XXXX, XXXX, XXXX with what they have allowed to be reported in the first place while being non compliant, I have invested time, energy and money into getting justice for this battle between us I believe also that this account is out of the statue of limitations, Im asking that you remove this account off of my credit report Expeditiously once removed please send me confirmation via letter of removal Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a debt with this company. 
I have not received anything showing me that this is my debt. 
I have not signed any contract with XXXX XXXX XXXX nor do i have any records that I owe this company any money. 

This item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a letter requesting that the provide me with a statement that the debt was paid and report it to the credit agencies, they have refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Personal information incorrect

Complaint:
Account # : XXXX Account # : XXXX These accounts have been determined that they do not belong to me yet you still continue to report this inaccurate information to my consumer report.These accounts do not belong to me. The name these accounts are addressed to is not my name. This fact alone is enough for above mentioned accounts to be deleted, but they are more inaccuracies found. I called TRANSUNION rep, and asked for fraud department. After being transferred, I was told I have to send in a picture ID and bill even though rep located both mentioned items in their agency 's database. I was told I have to resend my ID and bill no matter what. TransUnion has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer. On XX/XX/2022 I sent a notice via USPS certified mail demanding deletions of above mentioned accounts. Enclosed is a copy of my California state issued ID, and a copy of a bill statement to establish my accurate residency. Also enclosed is my consumer reports where I point out that the fact that XXXX is furnishing inaccurate information from debtor name CHILD SUPPORT ENFORCEM to my consumer report under Account # : XXXX. While the debtors name TRANSUNION LLC is furnishing to my consumer report is under XXXX XXXX ( Account # : XXXX ). XXXX recently deleted the account named under XXXX XXXX XXXX., Account # : XXXX. 
TRANSUNION LLC refuses to update my personal information even after providing them my California state issued ID and a bill statement containing my up to date address. 

TRANSUNION is unlawfully furnishing Account # : XXXX DEPT OF EDXXXX, and is the only CRA reporting this inaccurate information.XXXX  and XXXX has deleted DEPT OF ED/XXXX item from my consumer report. TRANSUNION has been made aware many times in writing by me, a consumer, about the FCRA laws they are violating and the agency chooses to ignore the law. See attachments. 
These accounts are not assigned to my name making my consumer report inaccurate. If by some chance this alleged debt belongs to me, which I highly doubt it!!, XXXX has never produced items pursuant to 15 USC 1692g ( b ), which I requested multiple times. 

I am making complaints with the CFPB, FTC, XXXX, CA and PA state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today XXXX XXXX 2017 I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. Equifaxs blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! Equifax clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But Naw I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to TransUnion and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made Transunion aware on numerous occasions that I do not consent to e-Oscar or any other type of automated methods. Today is XXXX XXXX and nothing. Sometimes they would e-mail something regarding their dispute or sometimes by mail I guess it's however they feel on whatever day. TransUnion has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted 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 non-monetary relief
Consumer complaint received 2017-11-06
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my previous mortgage with RoundPoint Mortgage ( RPM ) for servicing which I got refinanced in XXXX XXXX. So RPM got the full balance i.e. {$380000.00} on XXXX/XXXX/XXXX. On this dat my escrow balance was showing {$10000.00}. However they deducted one more XXXX on very next day ( XXXX/XXXX/XXXX ) of amount {$3200.00} which is their fault. After this XXXX my escrow balance went up to XXXX. After this they issued my refund in three separate checks of amount 1. ) XXXX 2. ) XXXX and 3. ) XXXX. I deposited all three checked in my wife 's account. After few days one check of amount XXXX was returned to us by our bank. When I checked with RPM they said they stopped payment on it but they could not explain why they did so. After conversation they agreed to re-issue they check which will reach in another week or so. I did not get any check so I called after 3 weeks on XXXX XXXX XXXX. I was shocked to hear when they said they do not owe that amount to me. I explained to representative everything, I ha gone thru the transactions and she accepted their fault and promised refund in a week. However I did not get any check and called them today XXXX/XXXX/XXXX and got to know they did not issue any check. I have all the documents with me but I can bet if you will ask a middle school student to go thru my account and transactions he will figure out the difference. Unfortunately it is very difficult to explain the same to RPM customer representatives as I have seen them struggling with simple addition and subtraction. I would request you to take this matter as I doubt they are running a scam to cook the transactions at the time of closing account as everyone will not notice it.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX, XXXX XXXX account ending in # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2021-10-18
Company: BANCO POPULAR DE PUERTO RICO
State: VA
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:
The {$140.00} annual fee posted on my travel credit card. I decided to close it because of COVID and I don't travel much. I requested the card to be closed, and Banco Popular refused to refund the annual fee. Please refund the {$140.00} I had to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a XXXX XXXX along with Police Report and EXPERIAN will not block or remove claiming that the debt is valid when it is because of identity theft. I also included my lawyers information they allowed the debt to remain based on NON-FACTUAL misquoting of section 605b of the FCRA and refuse to investigate. Therefor allowing inaccurate information to remain which has caused me a position in a major corporation due to the credit file being inaccurate. 

They claim which is not true : The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. 
If you still believe the item is the result of identity theft, you may provide us a dispute statement of up to 100 words for us to include in your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I received a call from an " XXXX XXXX '' on my personal cell from a number XXXX, I also received the same call at my work from the same person the number that called was a XXXX, the number he left was a XXXX. He called my Daughter 's Husband 's PARENTS and left the following message. I have a recording of the call. transcript is as follows : This is case XXXX XXXX with XXXX XXXX calling in reference to a complaint preparing to be filed against *************** ( me ) XXXX years of age after a through investigation of this affidavit, i find the documents forwarded to my office do indeed support the order for ************ ( me ) to appear in court on alleged check fraud, I would like to speak with ********** prior to signing off on this. I can be reached at XXXX, that is a listed toll free number, therefore XXXX should have no difficulty returning this call. Pretrial docket number to reference XXXX. Be advised failure to respond will leave me no choice but to execute the paperwork referencing your appearance in XXXX XXXX service which is due to be carried out at your home and place of employment. XXXX YOU HAVE BEEN NOTIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
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 found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax Address : Not Listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
XXXX taking more than 30days to reply to misreporting on a late payment that was removed by my creditors American Express and deemed on time. Contacted American Express and they mentioned only XXXX can take it off. Disputed it twice and no response or deletion. XXXX said I had to reach out to American Express. Enrolled in financial relief program and had late payments incorrectly still reported as late. Never missed a payment when enrolled and program and yet still received late payments on credit report. Please delete this false reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions 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:
Experian did not have the information from this creditor 100 % accurate and yet it is still be reported on my report. I have reported this to them plenty of times but they have yet to delete this off my credit report. Things inaccurate on from the creditor includes : address on documentation does not have same address as credit report, amount owed are different from documentation from credit report, along with balance, and other things.

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 2021-10-18
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for only one card, one time and was approved however Citi ran my credit twice and I therefore have 2 hard inquiries on my XXXX credit report from Citi Bank. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my XXXX credit file showing the 2 hard inquiries. I need Citi to please remove one of the hard inquiries.

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