BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by 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 2015-07-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I went online to Equifax credit report and after fully identifying myself, informed Equifax that they were showing XXXX ( XXXX ) incorrect previous addresses on my report. The addresses were ( 1 ) my mother-in-law whom I never lived with. ( 2 ) my daughter, whom I never lived with, and ( 3 ) my previous work address that I have never used as a residence. After reporting these error on their online form, they incomprehensibly asked me to forward to them, a copy of the following documents:1. Valid drivers license2. S.S. card or XXXX form3. Utility billI can understand this request if they were verifying my current address, but considering that none of these documents have anything to do with the erroneous information on my credit report, I question the inconvenience of the means in which they want me to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
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, XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 or 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 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I Have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered XX/XX/XXXX. Credit card balance of XXXX. Accepted and returned bill to sender as Mutual offset credit exemption settling & satisfying the account NOT CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 'm paying Equifax for XXXX monitoring. They alerted me XXXX XXXX XXXX pulled my credit. Equifax gives the same response every time I call to dispute an inquiry. They tell me I have to contact the company who pulled the report. I spoke to XXXX XXXX XXXX because they pulled my credit report in XX/XX/XXXX and in XX/XX/XXXX for a company out of XXXX, FL called XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX and they contacted XXXX XXXX XXXX. XXXX XXXX XXXX told me they do n't pull credit reports for bankruptcies. XXXX XXXX XXXX is set up with them to pull credit reports, but not for the purpose of a bankruptcy. XXXX XXXX XXXX said they would contact the credit bureaus to have this corrected. Now I 'm showing another hard pull from XXXX XXXX XXXX from XX/XX/XXXX. It is obvious this is a clerical or data entry error because it matches the date the pull was done on XX/XX/XXXX. Equifax will not help me. XXXX XXXX XXXX is telling me I have to contact XXXX XXXX XXXX and my relationship with them is severed. XXXX XXXX from XXXX XXXX XXXX in XXXX, FL told XXXX XXXX XXXX I tried to refinance my mortgage and it was not an option for me so I had to file bankruptcy. I have never had a mortgage and this was their way of keeping their relationship with XXXX XXXX XXXX in good standing. This was fraud and is unethical. I signed a retainer in XX/XX/XXXX for my attorney XXXX XXXX XXXX who 's office is in the same space as XXXX XXXX XXXX. My bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Equifax really needs to remove this inquiry. It lowered my score by XXXX points. XXXX XXXX said they do not have a record of pulling the report on XX/XX/XXXX, but XXXX XXXX XXXX is the company which has to get it removed. How can I get them to remove it when they may have put it on there in retaliation of me filing the complaint with the XXXX of Pennsylvania. I have sent a complaint against XXXX XXXX XXXX with the Florida Attorney General. I will be filing a complaint against them with the XXXX of South Florida and I 'm filing a complaint with the Florida Bar Association against my attorney. She had no reason to delay the filing of my bankruptcy for an entire year. 


Alerts XXXX XXXX XXXX XXXX monthCurrent XX/XX/XXXXEquifax - InquiryArchive this alert |Hide alert detailsAn inquiry was made by XXXX XXXX XXXX XXXX for your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Please see attached information. 

Now the credit reporting agencies show XXXX late payments FOR PRODUCTS I DID NOT BUY AND CANCELLED DUE TO THE STORES INABILITY TO HAVE AND DELIVER THE PRODUCTS! 
This regrettable action has made me lose my mortgage and also a home equity loan on a home already FULLY PAID FOR! Additionally, I had a credit card notify me my credit limit went from {$7000.00} down to {$500.00}! 
The store, " Menards '' has used both the credit card company and reporting agency as a vehicle to ruin my credit and damage my family, FOR A DEBT I DO NOT OWE! 
My family is rightfully infuriated over this senseless, needless extortion of my family through the erroneous and deceptive practices of this merchant and request immediate resolution to this issue! 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian have my wrong name on it report.. my name is XXXX XXXX.. 
on Experian report are XXXX XXXX that is wrong last name. need to be fix now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
2 weeks ago I called Transunion to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am REQUESTING that Trans Union address the information that they are recording on my credit. 
public record XXXX provide information showing this account date file and stautes is correct information. Delete information XXXX / provide validate of this account with last date of payment and when this account went into collection on my credit report it states no payment history so who can it be a valid open collection / delete information XXXX Collection account XXXX no payment history to complete that fact of it being a collection account when did this account go into collection Trans union is not reporting a full accurate account detail / DELETE VIOLATION OF THE FCRA XXXX reporting unverified information verify when this XXXXaccount was open and placed for collection. Trans Union DElete information Violating THE FCRA XXXX DELETE ACCOUNT NUMBERS XXXX XXXX OUTDATED ACCOUNT OPEN 1987 DELETE REMOVE ADDRESS LISTED XXXX GA XXXX 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 2015-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is the only credit bureau that has not fixed this. Reporting a past due of {$2500.00}. This is incorrect. should show {$0.00} past dueXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I got a copy of my annual credit report. Upon reviewing it, I noticed XXXX tax liens that show paid and satisfied. I contacted TransUnion via certified letter, asking them to remove these items since they report as as, also I did n't recognize these tax liens and were unaware of them, or having them on my credit report. For all I know, they are not even mine. This was XXXX 2016 when I sent the certified letter to the Credit Bureau. Upon their " Investigation '', they removed XXXX paid tax lien, but refuse to remove the other XXXX, stating that the information is verified. How are they able to " verify '' this information? I wrote the XXXX XXXX XXXX XXXX and receive a letter from them that they do not report information to the credit bureaus. So, how were TransUnion able to accurately verify this information. I even sent them a copy of the letter that the Circuit Court sent me, stating that they do not report to the credit bureaus and their suggestion was to contact the credit bureaus to have the information deleted. It 's like " pulling teeth '' with Transunion. Why was it ok to delete XXXX paid tax lien, but leave the other XXXX paid tax liens on my report. I am convinced that they have no clue, that they do n't actually verify anything legally and are just being a " pain in the XXXX to consumers. I want this information deleted permanently from my credit reports. These credit agencies are full of disgruntled, unhappy, overworked employees who I do n't believe give a XXXX about the damage they do to consumers and their 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 2016-11-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute and investigation is for Equifax Credit Bureau. I had XXXX accounts with XXXX XXXX XXXX as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Equifax has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Equifax that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Equifax also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Equifax reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Equifax not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Equifax keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I talked with this company directly about 2-3years ago and paid this debt in full. I think that maybe they did n't report it. I have had problems with this company before. ... .didnt know i had an unpaid balance with them because it was a payroll deduction. ... either way I settled this debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: PNC Bank N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XXXX XXXX wallet was stolen around XX/XX/XXXX. XXXX XXXX is haveing problems getting another card. I do not have any ID and do not have any money. The PNC Bank checking account gets my XXXX XXXX XXXX XXXX and my Social Security Disability direct deposited every first of the mounth. There are some that do not want me to have any money. Also there are some that want to inherit. There is alot of money that come in my name and profile. There also is website account they call it, that is from law suites. I have never got any of checks or anything from the website account. Call XXXX XXXX about the situation. Phone number is XXXX. Address is XXXX XXXX XXXX XXXX. XXXX XXXX Ga. XXXX. Birthdate is XX/XX/XXXX. Thank You. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank sent me an XXXX for {$2400.00} a credit card account back in 2014. I added it to my tax return and I thought they would update the balance with the credit bureaus. However I looked at my credit report today and it is still reporting a balance of {$2400.00}. This negative reporting is hindering my credit report and score and I would appreciate it if you investigated this account with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Metro Collection Service Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from a XXXX XXXX claiming to represent Metro Collection Service, Inc. It is claiming that I owe a debt to an apartment complex I have n't lived in for four ( 4 ) years. I received this same letter 6 months after I moved out that apartment complex and disputed it then. I never heard anything after the dispute. I have never once heard from the management company claiming I owe a debt. I have also called the apartment complex, now under new management, and they seemed confused as to why I would be receiving this so many years later.

Company response to consumer: Closed
Consumer complaint received 2016-07-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
SLS had requested an additional 45 days to respond basis for the denial of the credits for Tier 2 and/or the Tier 1 denial based on all sources of income, but yet, SLS sent me a modification package due to be signed, filed and entered by XX/XX/2016, which is days before the time they requested to evaluate. 
Please be aware that my loan was a predatory loan approved based on my excellent credit score, originated by XXXX then transferred to XXXX and now SLS. 
The lack of interest from XXXX XXXX and XXXX to evaluate my case and modify, resulted in years of unpaid mortgage payments, which SLS is now adding as 1 final balloon payment to be made at the end of the term, including their attorney fees, after my last mortgage payment is made in 30 years. ( Loan mod. package attached. ) My wish is for SLS to re-examine the loan mod for either further credits on the Tier 2 or a principal reduction and credits consistent with the Tier 1 guidelines, the servicer and the lender will permit the evaluation without compromising the existing agreement. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: PLAZA HOME MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a loan with Plaza home mortgage for several years. I recently sent a check to pay off the loan. The check was returned with a letter that states that they do not accept personal checks for final loan payment. The letter also stated that I was continuing to be charged interest on the loan. I also have a late fee because I did not make my payment on time. 
I have asked to have a copy of the loan contract that I signed stating that they will not accept a personal check for final payment. Phone conversations got me no where and I was told that there is no document that I signed that would make this statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and XXXX XXXX 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