BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ( USA )/ XXXX XXXX, NA Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXX XXXX  Account number XXXX, XXXX XXXXF XXXX Account XXXX XXXX , XXXX Account # XXXX , XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2017-10-18
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed 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 2017-10-18
Company: EQUIFAX, INC.
State: AL
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:
In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit see a bill from a debt collector that is not mines they send me a bill that is not mines I never open a XXXX  account in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019, XX/XX/2019, XX/XX/2019 Sent notarized and certified letters asking company to show original signed contract of me accepting the service. These letter were send to all 3 bureaus to investigate the debt. Company kept sending me invoices that show no signature or agreeing to the contract. They threaten to send debt to another party, if I go unanswered, they will closed the account, and pursue legal actions and charge off the account. The invoice show the amount of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$980.00} from the Cash Store on XX/XX/2022 my payments are listed below : XXXX/XXXX/2022 -- {$350.00} XX/XX//2022 -- {$100.00} ( refinance ) XX/XX/2022 -- {$220.00} XX/XX/2022 -- {$250.00} On XX/XX/2022 I asked what do I owe to pay off this loan and I was told I owe {$700.00} more when I question the amount that I still owe I was told that my interest rate is 568.95 % for 12 months however I am charged an interest rate for 12 months although the loan is for 6 months because we have the option to refinance. I was told that the total amount of the loan is {$3000.00} to pay back and if I pay if off early I have to pay half of that. I informed him that if I was told that I had to pay {$2000.00} back for a {$980.00} loan I would have never agreed to that. I informed them that I can not afford to pay this back as I do not have that kind of extra money laying around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, 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:
I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : 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 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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed 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 2022-08-25
Company: Troy Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 hard inquiries on my credit reports from Troy Capital , LLC that I didn't authorize. The dates of the inquiries are XX/XX/XXXX and XX/XX/XXXX. I have never applied for credit with Troy Capital , LLC and have never authorized this company to access my credit. 

These inquiries have damaged my credit score and have caused me to pay a much higher interest rate on my current loans. I will be seeking compensatory damages if these unauthorized inquiries from Troy Capital , LLC are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a number of inquiries that I do not recognize, I need to have these removed. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: SUNTRUST BANKS, INC.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My vehicle was involved in a MVA on XX/XX/XXXX. My insurer determined the vehicle as a total loss and paid the lender, SunTrust, with my gap insurer to pick up the remaining amount. I made the XX/XX/XXXX payment within the ten day grace period ( although the title was already signed over to the insurer, payment had not yet been made to the lender ). On XX/XX/XXXX, SunTrust received the payoff from my insurance carrier for {$27000.00}. That same day SunTrust also received a reimbursement from the dealership for a pro-rated protection plan reimbursement in the amount of {$600.00}. On XX/XX/XXXX they charged me a {$29.00} late charge for not making the {$580.00} monthly payment in XX/XX/XXXX even though they already received {$28000.00} in XX/XX/XXXX. My payment on my original loan has a due date of the XX/XX/XXXX of every month ( 10 day grace period ), and as of XX/XX/XXXX I had already received two collection calls for the {$580.00} even though the remaining amount on the loan was {$5800.00} ... .. My gap insurance has sent payment to cover said amount however, it was delayed because SunTrust would not provide the requested information. Finally, they sent the requested information to me instead of the gap insurer and I in turn had to forward it to the gap insurer - all of which bought time ... Their delay tactics, illegal late charge ( they have since credited ), and illegal collection calls on an account that was current is unacceptable.The loan is now paid off however, SunTrust still is not admitting that I should not have been sent to collections ...

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 2017-09-13
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/XXXX My husband and I heard on the news that as of XX/XX/XXXX, Equifax was hacked and our personal information, social security numbers and credit information was breached. 

It is my understanding that Equifax is to offer both of us one years free credit reporting and alerts yet it is impossible to find the service. I have been on the computer all morning. I signed up and was suppose to receive an email to " finalize '' our so called membership and nothing was received.
What is the gov't going ot do about this breach? We feel we should have a lifetime of free monitoring, reporting and alerts as this issue with follow us for years to come. We have worked hard for 40 years to have an excellent credit score and Equifax jeopardized it overnight. They are doing little if anything to help their VICTIMS.
I have spent hours and hours the last two days trying to secure our credit while Equifax does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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:
On XX/XX/2022 I took a look at my consumer report ( attatched ) and noticed a negative account being furnished by your company. I am requesting Validation of the debt. 
I will need the amount of the debt, the creditor to whom the debt is owed, Proof that if you mailed me a statement putting me on notice that I had 30 days to respond or you would assume the debt is valid. I am aware that I was not notified within the 30 day period. and I am making it clear to your company that I am disputing this alleged debt. Because your company failed to do so, I am requesting your company to provide me with the name and address of the ORIGINAL creditor. Please be mindful that statements are not proof of claim. If you can not provide me with this, you must delete this from my consumer 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 explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on or about XXXX/XXXX/XXXX I went to annual credit reports to get my XXXX credit bureaus. XXXX of the XXXX sources would not give me the report by internet ( XXXX XXXX Trans Union. ) Trans Union mailed me a letter on XXXX/XXXX/XXXX that said my file was suppressed and I had to call them. on XXXX/XXXX/XXXX I called Trans union at XXXX and spoke to XXXX different agents finally talking to a XXXX XXXX? who stated that someone suppressed my file as a minor and that I would need to send them proof of copies ID and Social Security card to get the file unsuppressed. I objected and asked who placed the hold and she would not tell me who suppressed the file I again asked for a copy of my unsuppressed file to be mailed as I already answered all the security questions that she requested and she refused again stating that I must sent the Id and S.S. card which I refused to send in the mail. I do not think that I need to comply with the request of my social security card be mailed to them to unfreeze my file as this further compromises my information and does not comply with FDCRA. there policy of hard copies is above and beyond what is required to access this information. I have complied with all requirements by phone to satisfy verification of identity and anymore more proof is not needed.

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 2019-07-25
Company: RoundPoint Mortgage Servicing LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the first quarter of 2019 I made a large payment by check to Roundpoint mortgage. My mortgage is {$680.00}. The payment I made was for over {$3000.00}. When I sent it in I checked the box to apply the over payment to my principle. 

After receiving my next payment coupon I noticed that they did not do that. They applied my over payment to my next months payment and to escrow. I called to change it and was told that because I sent it in as a check instead of paying it on line they can not guarantee that the money will be applied as I wish. 

It is the second time that this has happened with this mortgage company and both times I called in to get it corrected. I am figuring they are grabbing extra interest from me and putting my money ( and possibly others ) into another pot to make money on that. 

No where on the coupon does it tell me that my over payment will not be applied as I wish.

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 2019-07-25
Company: Bureau of Accounts Control
State: NY
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:
on XXXX XXXX, 2019 i send a dispute to the credit bureaus : XXXX, XXXX and XXXX. all of then respond, XXXX delete the account because they couldn't verify or validate also XXXX   but XXXX not. and a have some screenshot of the time they investigate this account which i think is not enough. I've kept trying month after month because I know it's not right. the last dispute was open on XXXX XXXX, 2019 and was closed by then on XX/XX/XXXX, 2019. i feel that they just using they automatic system and are not doing a real investigation. i also contact then company my self and they just send me a bill, not my hippa release or validation. this is the company BUREAU OF ACCOUNTS CONXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX/XXXX  XXXX/XXXX  XXXX , Account # 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 an 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 2022-06-10
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: Their investigation did not fix an error on your report

Complaint:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted all three credit bureaus to update and correct my personal information. I wanted to remove address XXXX XXXX XXXX, XXXX Ar XXXX to my current address as well as some other addresses listed. I called the bureas to update my address and in return they said I couldnt delete the old address because they were tied to new accounts. I have live at my current address almost 8 years! 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. 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 explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple requests, the unverified item with XXXX, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the XXXX creditor.

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