BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX, I sent XXXX XXXX a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that XXXX XXXX, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I requested that a number of items on my report be investigated and verified. As of today XX/XX/2022 I have yet to hear anything back stating that a investigation has begun or been completed. This has hurt my ability to obtain 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 2021-07-24
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Radius Global attempted to collect a debt that I allegedly owe. In doing that, Radius Global violated several of my federal rights as a consumer. They have diminished my character and affected my ability to obtain credit as well as violating my privacy pursuant to 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), and 15 USC 1681a ( 4 ).

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 2020-04-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Very bad customer Service and experience Everytime I request A credit line Increase in my Exxon account They tell me You have a fraud alert I say yes their supposed to Due extra verification to approve me They dont they just decline me each time Im So frustrated with this bank their dont care to make me Happy I deserve a line increase Ive been a loyal customer

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 2017-10-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Accounts appears as potentially negative with a open date of 2006.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Accounts appears as potentially negative with a open date of 2006.

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 2019-01-30
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
# XXXX response from Ally Bank on this complaint should not be accepted by me or by cfpb. 

For the bank to hold my money for another 60 days after already holding it for over t 30 can't be allowed. This is a significant amount that is needed by me to pay bills and college tuition. 

What right do they have to hold onto my funds for up to three months depriving me of interest and access.

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 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report had an account listed that are not mine..I disputed the accounts with the credit bureau as `` not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done..XXXX XXXX XXXX ( Original Creditor : 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 2022-06-11
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:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no outstanding debts and have received no written notification that anyone thinks I owe them money. This company has been calling me repeatedly every day using different numbers and never leaves a message so I do n't know who they 're trying to reach or why. Here is a list of the calls to date ( it is now XXXX XXXX on XXXX XXXX ) : XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX  XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Service XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2019 I contacted XXXX XXXX a branch manager with Academy Mortgage in XXXX CA. I submitted an application and received a pre qualification letter. I went to submit an offer and was told something changed with my credit ... come to find out XXXX changed companies and ran my credit for a new application however I was never even told about his change or that my credit would be ran again and I never approved XXXX or the company he works for to run my credit. His assistant XXXX confirmed that she never received verbal or written authorization or a request to run my credit from me. XXXX now wants me to believe that these letters are only good for 90 days however that is not true as credit is not ran again until the closing of the loan and its not with a different lender. My credit was affected as it dropped 6 pts in addition to the 6 pts it dropped when Academy ran it. My information is protected and can not be shared with another company or Lender Nor can anyone other than me request my credit be ran for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My credit report was pulled without my permission based on information from the monthbefore. I specifically told the person on the phone I did not want my credit run and then I received something in the mail stating they ran my credit a Second time around XX/XX/2019 and were trying to proceed. I only gave permission for it once in XXXX, which they did, and we did not want to proceed. Again I specifically stated I did NOT want my credit run. I'm not sure how to fix this problem and take it off credit report. We also want all personal information deleted from their accounts so they can do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.

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 2017-06-27
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ask them to identify themselves when they call. They refuse to answer my question. Then hang up call me 4 times a day. I made it clear that I do not owe anyone any money and they can communicate with me by mail. They do n't even have a valid debt to collect on. I would like to take legal action against them for unlawful harassment. My number is on the do not call list as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Avant Holding Company, 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:
On XXXX XXXX XXXX pulled my credit report ( XXXX ) XXXX received an alert from XXXX XXXX who alerted this inquiry. I place a Fraud Alert on my credit report back in XX/XX/XXXX. I never applied for credit with that bank ( never heard of them ). I filed a police report too on XX/XX/XXXX. I contacted Avant customer service and explained the fraud and not to issue credit because I never applied. I also asked them to expunge the inquiry and I emailed their fraud dept too. They said they would contact their fraud dept and some one would be in touch within 10 days. No one contacted me so I called back and they said they emailed me the required paper work but I never received it. They said they would send it again but again I never received it. They would not give me a telephone number to their fraud dept and they had no supervisor that I could talk to. I then contacted XXXX to get involved and sent them a copy of my police report and letter explaining what happed and what I wanted. As of today, the inquiry is still on my report and i have received no information from Avant on if an account was opened and why they didnt contact me with the fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TJX Credit is continually calling me regarding a credit card balance that is paid up to date. It is NOT past due. I told them this and told them to stop calling. They continue. The Caller ID says XXXX. They will call every day for a week. Wait a while and repeat. This despite the fact NOTHING IS PAST DUE AND THEY HAVE BEEN TOLD TO STOP CALLING.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.

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 2017-10-25
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We are filing a lawsuit in the amount of XXXX $ against Great Lakes if they do not remove the accounts from the Credit Bureaus. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 55 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: IL
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:
They are reporting inaccurate information on 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 2017-06-27
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased XXXX ethereum ( a type of cryptocurrency ) from Coinbase on XXXX/XXXX/XXXX which was added to my account. On XXXX/XXXX/XXXX I purchased another XXXX ethereum, which was never added to my account. I tried to contact them on multiple platforms -- their website, email and twitter message ( which they actually recommend ). I have not heard from them at all and they 've since deleted my case on their support website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX  Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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 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

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 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
IN 2018 THEIR WAS OVER XXXX XXXX DOLLERS AND XXXX XXXX DOLLERS OF UNAUTHERIZED CHARGES MADE ON MY TWO XXXX XXXX XXXX CARDS MADE POLICE REPORT AND FTC 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 2018-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: VA
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:
The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.

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 2022-06-11
Company: Self Financial Inc.
State: MD
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:
I have an account with Self Financial and the have a subsidiary called XXXX that did a hard pull on my credit which negatively impacted my credit score. I have never had any dealings with XXXX, nor applied to rent anywhere. 

Self financial is aware of this and notified me by email after the fact. They acknowledge it was an error, but the negative impact on my credit remains. I have not been able to reach anyone at XXXX to assist.

Company response to consumer: Closed with explanation