BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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:
These are not my accounts

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 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have over XXXX credit inquiries on my credit file from companies trying to run my credit without my consent and i would like all of them removed as its hurting my chances for getting a mortgage and other credit products. I would like all of these removed 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 explanation
Consumer complaint received 2021-03-12
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i had XXXX in XXXX and was in the hospital for a little over a month and i came out in XXXX XXXX and went back on XX/XX/XXXX for complications and didnt get out till XX/XX/21 i couldnt make my payments to any credit card company and there the only one who reported me late and i called them and told them they said they enrolled me in some program and would wave everyting for 90 days and not they didnt any they destroyed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Wrong address is being reported my current address was deleted ands my old address from 12 years ago was a added. XXXX ny XXXX is an old address and should not be listed as my current address. My current address where I reside is XXXX ny XXXX and my XXXX ny XXXX. Please correct asap 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am resubmitting my complaint for overcharge of escrow through modification. 
1 ) XXXX XXXX XXXX form list XXXX for taxes. Taxes paid were XXXX and penalty was XXXX which totaled XXXX. 
2 ) 0n bottom of form they show XXXX For escrow advance. 
3 ) XXXX XXXX form shows escrow being XXXX negative XXXX tax receipt clearly shows a total of XXXX as total money received. 
4 ) letter dated XX/XX/XXXX clearly shows the XXXX of escrow being paid 2 Which was not the case. 
5 ) in XXXX we were charged for escrow 3 times. 
6 ) letter of XX/XX/XXXX also show we paid XXXX for escrow through our modification of XXXX. 
7 ) also escrow breakdown statement shows we were overcharged XXXX for escrow 8 ) this overcharge of XXXX plus XXXX penalty was incorporated in our XXXX modification which has also accrued interest on for 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
In XXXX of 2020 i checked my home depot account issued by citi XXXX and saw that i had a late payment fee on my account. I explained to the representative that i thought the payment was made already. The representative then had me make a payment and the rep had me set up auto pay to prevent this from happening again. The representative gave me a credit for the late fee and gave me an amount of {$93.00} to pay when combined with the credit gave me a zero balance. The rep told me that any negative info would be removed from my credit report. As of XXXX it wasn't removed yet so i called back and another representative told me this should have been removed already. They sent me a letter confirming that my report would be corrected. As of XXXX it was still on my report so i called the executive office trying to get some help for this situation. The executive office did not help and also told me that they made a mistake sending me this letter. Also XXXX in the executive office said in a letter that i didn't make the required minimum payment of {$100.00} which made my payment short. I tried to tell her that the rep gave me a credit and told me the exact amount to pay which brought my account balance to XXXX. They told me over the phone numerous times and sent a letter saying that my report would be corrected. XXXX acknowledged that citi home depot sent me a letter stating this info. I also sent an email to the citi ceo XXXX XXXX but the executive office whi i already tried to get to help me responded to the email and again didn't offer any assistance.This has caused me a lot of stress, anxiety and financial ramifications due to this situation.

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 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX # XXXX and XXXX # XXXX are not mine due to identity theft. I have reported this information too credit reporting companies and STILL not off my record with them or court. I filed information with XXXX and again court and credit reporting companies have NOT removed this information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: NC
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:
My complaint is against Equifax. They are currently reporting inaccurate, unverifiable information for XXXX Bank. I have asked them to delete this tradeline from my credit report, and they are refusing to do so. There is absolutely no way they could have verified and validated the debt as that company doesn't even exist. They are currently in violation of 15 USC.

I am demanding they delete this tradeline they are reporting by XXXX Bank immediately!! If they continue to refuse to delete this unverifiable tradeline I will file a smalls claims suit against them for {$1000.00} per violation of the FCRA and they will have to report to a venue local to me to defend themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
CASE # XXXX all ready filed this is additional documents received today XX/XX/XXXX Merchandise was not received from XX/XX/XXXX {$42.00} XX/XX/XXXX {$25.00} Capital One Bank have reapplied these charges to my closed account. 

I spoke with someone today in other country unable to resolve dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: MS
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 following accounts have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Bought a car in XX/XX/XXXX, totaled it drying ice storm ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect one on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22

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 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I bought another  XXXX  in  XXXX  anticipating the  XXXX  (  XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

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 2015-09-09
Company: Coastline Financial Resources, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citizen 's bank refused to accept a check for deposit to my and my husband 's account that has been issued by XXXX auto insurance company for insurance on my car because of my completion of driver 's defense course. Title deed on the car and the insurance policy is issued in the name of my and my husband 's living trust of which I and he are trustees and our adult children are co-trustees and I and my husband are managers of the trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Receivables Performance Management, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company receivables performance XXXX Is showing up as collections on my credit report for a account opened XX/XX/2020 with XXXX and a balance of {$270.00} first off I have a freeze on all three of my credit bureaus and no one contacted me prior to going in my Credit report they are putting me in collections as I did not open up an account with XXXX in XX/XX/2020. This company called about a month ago and I told them it was not me it could be identity theft as I do not have an account with XXXX and opened one XX/XX/2020 they told me they would remove it and instead they are reporting me to collections on all three of my credit bureaus and it is hurting my Credit and they lied to me stating that they would remove this instead they made it worse

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 2017-04-25
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns has called me no less tha n 15 ti mes a day from various local numbers. These calls start at   XXXX   XXXX   and continue all day. Oftentimes, these calls are placed a few minutes apart. I 've called  Conns  and requested a payment plan, which they said was granted. They collected a good faith payment and then began calling right away again. I can supply phone records if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : XXXX XX/XX/XXXX experian XX/XX/XXXX, XXXX XX/XX/XXXX last payment : experian XX/XX/XXXX XXXX XXXXXX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Transunion XXXX showed up on my credit card bill several times and NONE WERE AUTHORIZED. My credit card issuer has disputed/refunded what was paid but this scam is apparently very widespread as I viewed the pages and pages of complaints online. You should check into this because if it is a legitimate business, they should be penalized significantly. If it is a scam, with as many illegal transactions as this entity has been involved in, they should be able to be tracked down and prosecuted. Then my credit card issuer notified me that another unauthorized transaction for an escort service was attempted for {$39.00}. So the XXXX must be related. 

Unauthorized transactions on my credit card : XXXX XXXX XXXX TU *TRANSUNION XXXX CA {$19.00} XXXX XXXX XXXX TRANSUNION XXXX XXXX CA {$19.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$1.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$19.00}

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 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have tried to fax over documents proving I have paid my debts off 15 working days ago.. I still have not received a response and the creditors are saying they have let the credit bureaus know .. Transunion REFUSES to take this off my report and can not be reached through fax

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 2015-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had settled a debt with a collection agency in XXXX of 2015. I was given a receipt for paying this debt, which says the account would be closed. However, this debt has been posted to my credit report as " in collection ''. The receipt ( as well as what I was told by the collection agency ) makes clear that this debt was accepted ; therefore the delinquency in my credit report is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXXXXXX XXXX  XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a zero balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

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 2021-11-26
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Call this company, we agreed on my paying {$400.00} to settle the debt. The representative refuse to provide documentation that stated he/she would remove all negative reporting. 

He felt that because our conversation was being recorded that this was sufficient, but we know business is business, if its not in writing it did not happen. 

I have been ready to satisfy this debt, what's the point of paying if they refuse to remove all negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation