BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-03-10
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I was involved in a vehicle accident which was being handled by my attorney ( which is no longer representing me ). The medical bills incurred and now reported on my credit profile derived from services rendered by XXXX XXXX XXXX in XXXX DE. This medical bill was referred to Transworld Systems Inc, who in XX/XX/XXXX listed this debt on my credit profile. As a result of this action, my credit score decreased approximately XXXX  points ( XXXX to XXXX ). I have written 2 letters for original creditor XXXX XXXX XXXX XXXX ) with no response, and recently to Transworld, pending response. The medical bills in question ( service date XX/XX/XXXX ) were disputed for double billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 is reporting on all 3 credit bureaus. Theyre reporting a collection account which I have asked for validation of debt with original credit application with my wet signature on and they cant provide validation of debt. Partial account number I have is XXXX taken off of my XXXX credit file. 
This account is also in violation of metro 2 fair credit act

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 2019-12-02
Company: BARCLAYS BANK DELAWARE
State: NJ
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 never signed up for Barclays Bank in Delaware credit card but its on my report, I dont have the credit card and I dont have any information about it, I called the company and told them my name and they asked me for my account number, I told them I dont have one and they said they can not help me, so I went on XXXX  XXXX  to dispute and they told XXXX  that the credit report is correct and its staying on my report but when I called them they said I dont have an account so they lied to me and they didnt except the dispute!

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 2022-09-07
Company: Experian Information Solutions Inc.
State: TN
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 is reporting on all 3 credit bureaus. Theyre reporting a collection account which I have asked for validation of debt with original credit application with my wet signature on and they cant provide validation of debt. Partial account number I have is XXXX taken off of my experian credit file. 
This account is also in violation of metro 2 fair credit act

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 2022-03-10
Company: EQUIFAX, 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:
XXXX XXXX illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by XXXX XXXX. 
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, INC.
State: WA
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 put a XXXX  XXXX and a Fraud Alert on my credit reports, we 're military and move a lot and my information has been compromised and used before. I called Equifax to tell them I did n't authorize a few inquiries on my report, and that I needed them to validate the inquiries to prove that I did n't authorize them.! Equifax originally told me they would erase the inquiries, however there still on my report. I want them removed immediately. The inquiries are as followed. XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX on several different occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Professional Credit Management, Inc
State: TN
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:
On XX/XX/21, I noticed a collection on credit karma from Professional Credit Management Collection agency in which I did not recognize the collection company. I immediately mailed a certified letter requesting validation of the debt. In turn, Professional Credit Management collection agency sent me records detailing sensitive information about my health in which my family did not have prior knowledge violating my HIPPA rights. 

I did not sign nor give consent to Professional Credit Management collection agency permission to obtain my sensitive health related documents which is my right as a consumer. 
Professional Credit Management Collection does not have in their possession a HIPPA release document with my written signature nor have ever received a verbally consent to to release my personal health related documents from me which is punishable by law. 
Therefore, I am demanding Professional Credit Management Collection Agency to immediately to cease all collection efforts and to remove Account numbers XXXX and Account number XXXX from all Credit Bureaus including XXXX, XXXX, and XXXX immediately. This has provided great mental anguish and hurt to me and my family. I have provided documents to support this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Issue # 1 : In XXXX, I physically walked into the Suntrust Bank branch located at XXXX XXXX XXXX XXXX, XXXX, NC. I deposited {$1900.00}, prior to the cut off time, with a bank teller. On the following day, I checked my account and the funds were not available. I had to physically go back to the location, only to be told that the teller made a mistake and my funds were accidentally looked over. I spoke with a manager and was given a temporary memo credit until the issue was resolved. The teller who conducted the transaction admitted that the mishap was her fault. Issue # 2 : On XX/XX/2017, I deposited {$800.00} ( 40 XXXX dollar bills ) into the ATM at the Suntrust Bank location on XXXX XXXX XXXX, XXXX, NC. The ATM gave back 10 of those XXXX dollar bill and read an error message that suggested that I contact my financial institution. A receipt was not given. Currently, there is a temporary credit of {$600.00} showing in my account and I am being told that the case will be resolved in 10 business days. Several customer service representatives with Suntrust Bank have relayed to me that there is a {$75.00} fee for changing payroll dates after it has been processed, even if it is a paper check. I would like documentation showing that this is the bank 's policy. As a XXXX XXXX XXXX, I am concerned about how this corporation operates when it comes to deposits and payroll transactions. As a customer, it is inconvenient for me to have to worry with whether or not my money is being handled in a manner that is ethical. 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 monetary relief
Consumer complaint received 2017-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX XXXX XXXX XXXX service my loan to XXXX, I was behind with XXXX around {$5000.00}. I work with XXXX with a trail modification to pay {$1100.00} a month for a year from my regular payment of {$1400.00} paying XXXX. After the trial period with XXXX ( XX/XX/XXXX- ) it was agreed to put my arrears on the back end of my loan, reduce my interest rate for 6.5 to 3.5 and to keep my payment at {$1100.00} until my maturity date. I sign the paperwork and also signed my husband name because he was on the road. After I received copies of the document I signed it was different. my balance went from XXXX owe to XXXX owed with the interest rate staying the same and a balloon payment of $ XXXX after my loan maturity date. I got the paperwork from the new servicing company Select Portfolio Servicing company. I immediately called Select Portfolio and spoke with a loan specialist and I was told to rescind my modification agreement which I did by email and by fax. I separated from my husband and moved to Texas in XX/XX/XXXX. I recently inquired about my credit and it states that I still have a balloon payment mortgage. I believe I was a victim of predatory lending scam from XXXX and now with Select Portfolio Servicing company. I also kept some of my payment statement and it shows my unapplied funds instead of being subtracted from my balance owe it was added to the balance owe making my total amount due more and I do n't think my trial modification payment or my forbearance payments was not properly applied. My maturity date is XX/XX/XXXX with $ 36k+ owing. So with my credit history and my Husband credit history we will probably not be able to secure a loan for $ XXXX at the end of my mortgage agreement to pay for a balloon payment and will probably go into foreclosure and lose a house we owned since XX/XX/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 2022-09-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN 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. 

Experian has inquiries that are double inquiries such as XXXX  XXXX XXXX XXXX and XXXX  XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXX, XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.

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 2022-09-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN 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 has inquiries that are double inquiries such as XXXX XXXX XXXX XXXX and XXXX XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

Equifax has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXX, XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My balance on my XXXX statement was {$130.00} which was Due XXXX XXXX. On XX/XX/2021 I made a payment of {$1600.00}. The overpayment in the amount of {$1500.00} was to cover the XXXX bill of {$1500.00}. I was also charged a late fee and interest from the XX/XX/2021 statement. Late fee {$39.00}, interest {$34.00}. Total balance due for XXXX was {$1500.00}. I made the over payment because a representative from the company told me that the late fee and interest would be waived. Either way, the balance, if not waived, would be {$34.00}. I am now being charged a late fee for the XXXX statement because Capital One told me that I did not make a payment during the billing cycle. I made the payment in advance of the billing cycle by 1 day. I essentially paid them what was owed before it was due. They charged me a late fee stating that if I made the payment on XX/XX/XXXX, it would have counted toward the XXXX statement but because I made the payment a day early, it did not count. This is a crime. Capital One is stealing from the public using semantics to do their crimes. I paid them in advance and they are charging a late fee. This is a very small amount to file a complaint about. However, if this company is doing this to tens of thousands of people the amount of revenue they would generate is significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: CO
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 been notified six times of the error regarding XXXX XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX 2017. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX 2017. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, EXPERIAN CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT 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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 took care of all accounts and the consumer agency keeps threatening me sending me text message their fraudulent.

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 2021-05-05
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are a handful of hard inquiries from a company called XXXX ( credit union ) I did not authorize these inquiries and need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX I inherited XXXX XXXX XXXX XXXX Alabama XXXX in XXXX because of the passing of my godmother. Since XXXX I have been trying to send information explaining the passing of my godmother and that I am now the executor-of the estate. I have sent my drivers license the death certificate and the executor paperwork every time I call I get either they didnt receive it or they received it but they are working on the paperwork. This has been going on since XXXX. Please help me the mortgage is behind 7 months and I am trying to get a forbearance for this home but if I cant get information I cant apply for 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