BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: Debt Recovery Solutions, LLC
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:
After checking my credit report in XX/XX/2019, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Debt Recovery Solutions , LLC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. Debt Recovery Solutions , LLC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Debt Recovery Solutions , LLC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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 have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.

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 2021-08-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Late Payment for XXXX  XXXX on XX/XX/2020 XXXX XXXX Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my XXXX XXXX XXXX XXXX. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise

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 2021-08-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Late Payment for XXXX  XXXX on XX/XX/2020 XXXX XXXX Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my XXXX XXXX XXXX XXXX. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: KEYCORP
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:
On XX/XX/ Keybank Na reported a Hard inquiry to XXXX and reflected on my credit report. 

On XXXX I contacted XXXX about the incorrect inquiry showing up on my credit report. XXXX sent a letter to the creditor on my behalf requesting deletion of the inquiry. There was no answer from the creditor. 

I contacted XXXX a second time on XX/XX/ and requested them to investigate the inquiry. They sent a second letter requesting deletion of the hard inquiry. I stated over the phone to XXXX, I have already contacted the creditor directly and they have no proof of permissible purpose or even a record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft. I had filed a complaint to TransUnion on XX/XX/2021 through a certified mail with tracking number, XXXX. Thirty days have passed and i have not received any resonse from TransUnion. According to Federal Credit Law spelled out in the Fair Credit Reporting Act ( FCRA ), a Credit Bureau is required to respond to you and complete their investigation within thirty days. If they do not respond within the timeframe, they must remove the negative listing disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 Trans Union dropped my credit score by XXXX points and refused to tell me why unless I paid them for it. No other credit reporting company has dropped 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 explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2019 I was in the process of purchasing a vehicle. I had done my homework and had a pre approved credit approval from XXXX XXXX XXXX XXXX, when I went to the dealer I explicitly told them not to run my credit through their system ( min of 6 times ) that I had secured financing and gave the dealer the letter from XXXX XXXX. Approx 45 days later I get an Online alert that a hard inquiry from XXXX XXXX had been run for travel and entertainment, I had no clue so what that was so called XXXX XXXX and asked who and what authorized this inquiry, they replied the auto dealer had and that I should dispute the inquiry if I didn't authorize. I traveled to the auto dealer ( twice ) and asked why my credit was run other than to speak directly to XXXX XXXX which I did authorize but at that time I re emphasized NOT to run my credit through their system and I was assured and re assured it would not happen. The dealer said XXXX was their " captive '' finance co and that is why it was run..but should not have been run and they would see what they can do to fix it, so far, nothing. 
My issue is XXXX XXXX  is blaming dealer, XXXX XXXX XXXX ( dealer ) is blaming XXXX, their system and XXXX XXXX. I want this Hard Inquiry removed, it was fraudulent and has damaged 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 explanation
Consumer complaint received 2021-08-17
Company: CREDIGY USA CORP.
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:
XXXX XXXX  XXXX has been reporting an credit account on my credit since XX/XX/XXXX. They charged off the card as of XXXX XXXX. But they have a mix up with me and my grandfather, and the only reason i know this, is because XXXX  verified the address and its my grandfather 's address. They claim to have my social through according to XXXX but with different information, such address and dob. I reached out to XXXX XXXX XXXXXXXX on XX/XX/XXXX which i sent via Priority mail express so i can verify who received it. They have decided not to respond to my verification letter and continue to report to the credit bureau. 
The Same thing happened with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: MN
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 has not removed this debt ( XXXX XXXX ) from my credit file it was disputed in XX/XX/XXXX and all they did was update the file when I simply asked that it be Deleted from my credit file. It has been on my credit report since XX/XX/2012 and it is time barred and simply needs to be deleted ... Thank u

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 2019-05-15
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 was victim of identity theft, somebody stole my personal information to get medical care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and a savings account as advertised on the Citibank site to receive an account bonus. 

The requirements were to open the accounts from their site using the XXXX Now button, fund the account with $ XXXX and keep funds in the accounts for 60 days and then receive a bonus of {$400.00} within 90 days. All requirements were completed on a timely basis as required by Citi. The accounts were funded on XX/XX/XXXX. 

In attempting to collect my bonus I was told that I needed to provide documentation since Citi claims that their system did not provide a bonus code at the time of my application. ( I have no control of their system ). I tried resolving this issue by messaging, they have a trail of  same ) and also by phone calls to no avail. 

A similar bonus offer which is attached is currently being offered through XX/XX/XXXX on their website. Their offers are basically offered perpetually for 6 month periods on their websites so they can verify that very easily. 

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 monetary relief
Consumer complaint received 2019-07-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called IQ Data International Collection company on  Friday XX/XX/2019 regarding a payoff letter for my lender. 

1. I was told that I had to provide a debit card number, expiration date and CVV in order to have my payoff letter " Generated '' - I hesitantly allowed them to use the card that was apparently already on file, though I personally never once gave them my debit card nor did I ever authorize them to have that. 

2. I have since called back today, XX/XX/2019, as I have not received that payoff letter. The woman I spoke to was able to verify my email address and a comment about how someone was scheduled to send that ( which means they lied, they told me it was already sent during the first phone call ). So I asked if she could resend that. she refused. I asked her who could, She said her boss could but that he wasn't around. 

This is preventing me from buying a mortgage. My closing date is XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BROKER SOLUTIONS, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with New American Funding XX/XX/XXXX through XXXX XXXX and after taking my financial information has ceased communicating and did not provide any required disclosures under the regulation ( or indicate why a loan could not be performed ). They required me to submit financial information as part of the application process which is against TRID rules. It has been six business days since submitting an application and they quit responding. The email link to the company bounces back and indicates they only accept internal emails.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Transunion. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15. 

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached

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 2020-02-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX had a collection account for XXXX XXXX for my son ( account number XXXX ). I am XXXX XXXX XXXX. Even though this was not my liability, I paid the collection. But I disputed it with the three bureaus explaining that it was not my account..NOT MY LIABILITY and that I wanted it removed from my file. 

XXXX  and XXXX XXXX complied and removed the item. Experian has left it on my file. It should have never been on there to start with

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 2019-07-13
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Charles Schwab is obstructing justice-a felony-and interfering with the administration of government by closing my long held accounts in retaliation for my filing complaints against it with the Consumer Financial Protection Bureau!

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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
No response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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