BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 non-monetary relief
Consumer complaint received 2019-02-07
Company: GreenSky, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My wife and I got a Greensky credit card in the Spring of XXXX for making purchases at our buying club, XXXX. 
I understood in advance if I paid the balance in full for purchases by XX/XX/XXXX, I would not incur any of the accruing interest charges@ 29.99 %. 
Since I received a loan from my credit union on XX/XX/XXXX, I was able to pay off three credit cards with high interest : XXXX, XXXX and Greensky. 
The transactions all took place on the same day XX/XX/XXXX ... and checks were mailed to all three lenders. Both XXXX and XXXX posted credits to my accounts on XX/XX/XXXX ( 5 days later ). Greensky did not post the credit until XX/XX/XXXX ( 14 days later ). 
If I had waited until the end of XXXX to repay my bill ( due XX/XX/XXXX ), it is very likely that it would not have been credited to my account in time not to incur HUGE 29.99 % accumulated interest. 
This looks like predatory lending to me. 
Even though this smelled bad, what eventually made me file this complaint is that they said it would take 30 business days to send me my refund for the overpayment I had on my account. 30 days!!! Greensky looks like a bad actor and should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX - Account XXXX : XXXX, 2. XXXX XXXX - Account XXXX : XXXX, 3. XXXX XXXX Account XXXX : XXXX and 4. XXXX XXXX XXXX : xxxxxxxxx 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.

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 non-monetary relief
Consumer complaint received 2021-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery associates is saying Im owing a debt which is associated with an address I dont live at. I have tax returns that date back to 2015 showing I live at a different address than the one associated with the alleged account. Not only that by law Im defined as an consumer and with that being said they are violating the FDCPA by reporting a debt that hasnt been verified. They were supposed to notify me of the alleged debt at my home address within 30 days of buying an account with my personal information in which I didnt give them which is identity theft, the alleged debt was bought years ago I didnt receive notification until this year. I will be sending them a consumer damage invoice for my inconvenience. This is my last attempt before my lawyer gets involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MS
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:
On several occasions I've reached out to credit bureau, by letter and over the phone. A they have failed to honor my request, as they have not updated my address and name information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Gotmortgage.com
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a house in an area that has a Special Assessment ( XXXX XXXX ). My mortgage company, GotMortgage, is aware of the XXXX XXXX, because its stated on the Preliminary Title Report. On XX/XX/XXXX, I signed a Closing Disclosure with GotMortgage, that included my principal & interest and escrow of {$4200.00}. When I went to closing on XX/XX/XXXX my principal & interest and escrow was {$3600.00}. GotMortgage sold my loan to XXXX XXXX, and this year when XXXX conducted an analysis of my taxes I am short {$16000.00} for my escrow. Which makes my new payment at {$5600.00}. The reason I am short XXXX is because when I went to closing the Taxes and XXXX XXXX was changed and not enough money was collected for my escrow account. 
I have contacted GotMortgage to get an explanation to why this happened and I have been told " XXXX XXXX was not collected and they ( GotMortgage ) don't know why my documents were different at closing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
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: Information belongs to someone else

Complaint:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX, XXXX  XXXX DOB XX/XX/1985 I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2021-02-13
Company: Army and Air Force Exchange Service
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:
Military Star Card The Exchange XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a MILITARY STAR credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, Military Star Card has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, Military Star Card sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over XXXX points in XXXX, XXXX points in XXXX  and XXXX points in XXXX. What is being reported to all XXXX credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at myecp.com, it's reflecting the {$00.00} balance but Military Star still has not updated either of my 3 credit reports. XXXX, XXXX  and XXXX  all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have Military Star, myecp.com correct this and XXXX out the balance reflected in all 3 of my credit reports.

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 2023-05-18
Company: EQUIFAX, INC.
State: MD
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, 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:
I have contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. Each time I have contacted Equifax I have asked them how are they able to verify this account. Each time they respond they do not tell me how they have verified the account. I have also sent Equifax a copy of a letter from the court which states that they do not share any information with credit reporting agencies. I have also received a letter from XXXX stating that they can not verify the Bankruptcy account # XXXX and that it has been removed from my credit report. If XXXX and XXXX can not verify this Bankruptcy how is Equifax able to verify the Bankruptcy and where are they getting the information. I demand that this Bankruptcy account # XXXX be deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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 fraud alerts or security freezes

Complaint:
I tried to use the transunion website to freeze my credit but was unable to log into the website. I called 3 times to Call toll-free ( XXXX ) XXXX in order to reset my password. Each time I was told to wait for 5-10 minutes to receive my email to reset my password. The second and third time I confirmed the spelling with the rep and it was confirmed correct. The last one could do nothing more than the first two. She asked me to call XXXX but that number was also useless. I would like my password so that I can submit a credit freeze on my file. Thanks

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 2023-03-05
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX of XXXX I was sitting in my car when a random stranger pulls up in his car and ask me if Im able to cash a check for him through my ATM account he said he was locked out of his bank accounts. So I tried being a nice person and stupidly didnt think of a fake check scammers. I signed the check and deposited it and took {$800.00} out of my account and gave it to the man. Two days later I find out it was a fake check and I was scammed of {$800.00}, so I contacted Wells Fargo and filed a fraud claim I talked to a specialist and told him everything that happened he than gave me back the credit which I was scammed of and never once said it was provisional credit until further notice he said there was nothing to worry about and gave me back my {$800.00}. So just yesterday XX/XX/XXXX, I check my bank account and it says reverse credit of {$800.00} and now Im $ XXXX in my bank account without any notice, email, mail no phone call about it. Ive tried calling them seeing if my funds can be revered but all they say is theres nothing they can do since its atm fraud and the specialist says its not fraud so it falls on me when clearly it was fraud and scam and they just take away my money from my account and leave me bankrupt.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, Transunion and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by XXXX XXXX XXXXXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX out these amounts with XXXX. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My Transunion report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and XXXX XXXX XXXX XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.

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 2019-10-29
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I went to see my XXXX XXXX, XXXX XXXX, a XXXX XXXX. It was not billed that way. It came through as XXXX XXXX, who is not my doctor. While this has been explained to me as merely a " coding '' anomaly, I do not pay people I do not know. Eventually, this item was removed from my statement. I believed in error, that they realized their mistake and removed it. This was not the case. Instead, it was handed over to Credit Control Corp here in XXXX XXXX, VA. They claim they mailed me a letter in a plain white envelope to notify my of their intent to collect. I did not receive this letter. I doubt it exists. I only found out about this collection when it appeared on my credit. I called, and told them I don't have a problem paying the bill if it's legitimate, but won't pay it if it's not. I asked if they would remove it if it were paid, they said no. I have since called XXXX and figured out this was a bill for me, even though none of the presented facts line up. I'm willing to pay, in fact, I have dealt with Credit Control in the past. Despite my efforts, some bills will slip by me. There were a few years where I was not well and had many, many bills. 

The heart of my complaint is threefold. 
First, failure to notify. I had no ability to dispute a debt. 
Second, I make regular payments to XXXX and my payments say XXXX XXXX XXXX on them. These payments were set-up for previous debts, but I would think that payment on an open account would prevent collection. 
Third, they are yet to provide me with validity of the debt or even offer it. The first person I talked with stated that previous statements from XXXX would be my notification. 

I only seek to have this removed from my credit. It appears, now that I have researched it, that this is my debt. I'll pay it. 

The timeline so far is ... 
Service on XX/XX/XXXX Disappeared from Statement in XXXX Collection noted on my account XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called XXXX/XXXX XXXX XX/XX/XXXX. 
Wrote this complaint XX/XX/XXXX. 

Please help. It's ridiculous to go from XXXX to collection without so much as a conversation. 

Thank you, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IA
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:
I have sent several letters in the past 2 months to all three credit bureaus to try and get rid of inaccurate information off of my credit report I should only have 2 addresses reporting on my credit report XXXX XXXX XXXX XXXX IA XXXX and XXXX XXXX XXXX XXXX XXXX mo XXXX I do not receive any us mail at any other addresses which makes them inaccurate that is someone else 's address reporting to my credit report and they keep saying there is nothing I can do to remove the address but according to the law I read they can not report inaccurate address

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