BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit reports all have freezes applied. However, in speaking to a company with which I applied for credit, I was informed that TransUnion does not have a freeze on my report. And, that the the information on my report was partially the reason my application for credit was denied. This is a blatant violation of my right to protect my credit history from inaccurate information being released. This breech has caused me to lose credit and I demand that the freeze be reapplied to my report. And, that TransUnion be made to pay punitive damages for this breech! 

The documents ( s ) proving my claim have already been submitted via this portal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: OH
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Consolidated Information Services Solutions, LLC
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:
There is unauthorized inquiries on report. After contacting a few companies who couldnt provide me with much info basically told me to contact you guys and get a report and then it could be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been a victim of identity theft. A credit card was opened in my mother 's name using my birthdate, but the year she was born and my social security number. This credit card account was opened XXXX years ago ( XXXX ) when I was XXXX years old. The following year she passed away. ( XXXX ) I found this out on XXXX/XXXX/XXXX when I noticed money missing from my bank account. There is a levy on my bank account and it is frozen. 
I contacted capital one 's lawyer on XXXX/XXXX/XXXX, I was told that I will receive documents in the mail that would need to be signed in sent back, for them to start a fraud investigation. But I still have n't received anything. 
I need to prove I am innocent. I was minor at the time and this was done without my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting XXXX bankruptcy forXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that I never file. 
I have contacted The Court, said computer error and they did not verify or validate with Experian, see attached letter from Court.

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 2015-06-03
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan with Cash Call back on XXXX/XXXX/14 for {$10000.00}, loan id # XXXX. The interest rates were very high and I had a few other loans out so I was working with a debt consolidation company to combine my bills and make XXXX payment at an affordable interest rate. Cash Call refused to validate the debt and would not work with my debt consolidator. I was then advised that Cash Call was being sued by my state ( CA ) and the state was requesting to revoke the companies license due to illegal loans and to not pay the debt. Cash Call sold my loan to another party ( XXXX XXXX XXXX XXXX XXXX ) who is calling my family members requesting me to call them back and trying to collect on the loan. I have requested them to send me a letter via mail verifying the debt which they have not sent yet only an email demand letter. They are demanding payment of {$10000.00}. I am concerned this company is not legitimate and with Cash Call getting into trouble for illegal loans am not sure if this debt is valid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX/XXXX/16, I 've received XXXX phone calls, which I immediately am hung up on, from Halstead Financial Services. I 've called the numbers back 3 times to be removed, as I do not have any outstanding debt or accounts with this company. I 've called the toll free number on their website and advised to cease contact, and each time was ensured that it would require 2 business days to be removed from their system. My last communication with Halstead Financials Services was through a complaint portal on their website on XXXX/XXXX/16. Since that submittal, I 've received an additional 4 phone calls from them. 

They call from these phone numbers : XXXX XXXX XXXX XXXX If necessary, I can also provide the dates and times of each of the calls, as well as, the dates and times I contacted them to have my number removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Torriere Holdings INC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I am receiving phone calls on my cell phone and at my place of employment from a company called Spire Recovery Services, claiming to be a collection agency for a payday loan that was filed in a chapter XXXX bankruptcy. They are threatening that " bad things '' will happen to me if I do n't pay them by XXXX on the day of the phone call. My attorney conducted research on the company that shows them to be a scam with an address located in an abandoned warehouse and when I attempt to reach them at the number provided it goes straight to a voicemail box. They called from a local area code but the call back number is from a New York area code and the address is also in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was signed up for a card security program on my credit card account that I did not authorize and my statement was sent electronically for months so I could not see the charges, dates or the payment due. When I called to get information and a copy of the statement I was informed the due date was changed and so I was being charged for late fees as well as the unauthorized card security program. I asked to speak to a supervisior to get all the information and see if some of the charges could be reversed and not only did she refuse to send me an itemized statement but she was offensive and at one point I was laughed at. This is XXXX abuse in my opion and I am done with Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK
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 XXXX XXXX is reporting fraudulent and inaccurate information... violating my consumer rights!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX of this year I was preparing to refinance our house and ordered a copy of my full credit report from TransUnion, paying {$24.00}. I discovered today that they have been billing me this amount every month. I call their customer service and they said that I signed up for credit monitoring service ( I did not ) and that I should have read the agreement carefully before agreeing. I went back and looked through the original email I got from them after ordering the credit report, and there is nothing stated about a recurring charge. I would never have agreed to it ; I don't need it and don't want it. The customer service rep agreed to refund only the current month and refused to refund the other 3 months, after consulting with a supervisor.

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 2016-03-12
Company: Bliksum, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I do owe this debt. I have told this debtor to only contact me via mail. They have continued to call me and my father. They are extremely rude and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Frontline Asset Strategies, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XX/XX/XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XX/XX/XXXX and by me on XX/XX/XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in Circuit Court of XXXX County, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union has ignored my pleas to them about being a victim of identity theft. They have not deleted the items that I have provided them a police report for. They are ignoring my consumer rights. I expect fraudulent items to be deleted not play games about filing out forms to have a " fraud alert '' on my credit which does ZERO to get these fraudulent items off my report and does NOT stop identity thieves from stealing my identity. I will get a freeze once TU gets off their hands and does their jobs!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: NV
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:
XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX, I submitted a request for an investigation into a hard inquiry by XXXX XXXX ( i.e., " XXXX '' ) that I had not authorized. On XXXX XXXX, 2015, TransUnion mailed back the supposed results of their investigation. The results were completely unclear as it was merely a copy of my credit report. Moreover, the report incorrectly included the name " XXXX XXXX '' as one of my reported names. ( The attached photos show the XXXX incorrect places this name appears. ) I am entitled to a more thorough investigation of this matter, a disclosure of the full results, and the removal of this random name from my credit report whose origins I honestly do not know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted XXXX XXXX through Citibank to help me with the process of procuring a loan for a home in Indiana. From the very start, I alerted him that business losses from XXXX for XXXX were deducted against my primary and XXXX income, however I had sold XXXX and therefore it would n't be a loss any longer. XXXX stated that since the XXXX was sold, then the losses would n't be taken into account for the purpose of determining future ability to pay. 

After paying in excess of $ XXXX on origination fees, inspections, and travel, XXXX alerted me three weeks after I signed a purchase agreement that the underwriter would not offer me a loan due to my XXXX losses on the previous tax returns. When I asked XXXX why he told me otherwise, and why I wasted so much time for this result, he stated that he does n't review the tax returns, and held no responsibility. 

The amount of effort and money I spent for something that could have been avoided from the very beginning with a more knowledgeable agent is heartbreaking and disappointing.

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 2021-02-19
Company: Experian Information Solutions Inc.
State: MA
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 issue is the lack of accountability that Experian is holding XXXX for reporting negatively on my credit report. I have been working with Experian for over a year to remove this account from my credit report. I have explained that this account has been fraudulently opened in my name. I have provided police reports to prove this as well. I have explained to Experian that the creditor, XXXX XXXX XXXX refuses to speak to me because they have sold my account to another agency, XXXX XXXX XXXX. XXXX XXXX XXXX has stopped their reporting efforts while XXXX remains on my credit report. XXXX XXXX XXXX stopped their reporting efforts because they have researched and found that XXXX XXXX has confirmed my issue was corrected back in 2017. In my latest dispute, I advised Experian that the issue I had with XXXXXXXX XXXX was remedied back in 2017. Experian reach out to XXXX  XXXX XXXX who simply stated " no changes to be made ''. Experian has not held the agency accountable to show any documentation such as a statement or proof of contract or anything else to confirm their findings. As the credit reporting agency, Experian is responsible for confirming that the creditors information is reported as accurate. Simply indicating that " no changes made '' is not suffice. I want this account deleted 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 2016-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I paid all my payments on time for 5 years to XXXX XXXX. Now XXXX XXXX. I noticed my last payment in 2015 was not posted right away. They took time clearing the check. Now I find a late fee in my credit, damaging my credit. These loans were supposed to help me fix my credit not damaging my credit. I request and investigation and that the late fee be removed from my credit. Thanks a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: AES/PHEAA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit score dropped XXXX points due to the way Fedloan Servicing reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( Fedloan, XXXX, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Information belongs to someone else

Complaint:
Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.

Company response to consumer: Closed with explanation