BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
In XXXX 2016, I mailed a letter to Transunion for both myself and my husband, and I called after believing adequate time had gone for mailing to confirm receipt. Per the representative, they not received the letters and I was provided a fax number. On XXXX XXXX, 2016, I faxed the letters for both myself and my husband in which I got a successful transmission and still as of today, I have not received any results of the dispute nor has he. I contacted Transunion today and spoke with XXXX representatives in XXXX, XXXX a regular representative and the other in the special handlings department who both advised they did n't see anything being received for me. Despite me telling them of the faxed confirmation which is synonymous to sending certified mail, they kept insisting on me giving them the accounts I disputed so they could now put them in dispute. I then asked for a supervisor in the Special Handlings Department in the United States as I was getting nowhere with the ones in XXXX. I spoke with XXXX, Special Handlings Supervisor in U.S. who stated he did n't see letters either. He checked my husband 's file as well as mine. How could they not see a fax? I advised him that according to my Efax service, the transmission was successful, I confirmed the fax number sent to as being their fax, I provided the exact time to him down to the second and he still just asked if I could, get this, fax the letter again to the same fax number to his attention so he could place the items under dispute. I declined as this has already been my 2nd attempt and second method of delivering this same information to them and them not receiving it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection has been placed on all 3 credit bureaus by Phoenix Recovery Group for the amount of {$1200.00} on account # XXXX. I have now sent 2 certified letters to the company to verify license information pursuant to Texas Finance Code Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00} I have attached the expired bond information which was obtained on the Texas Security of State ( XXXX XXXX ) website. The company has failed to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
REVVI/MRVBANKS/VT XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BLUEWORLDPOOLS XXXX XX/XX/XXXX SPEEDY CASH/CURO XX/XX/XXXX XXXX CASH/CURO XX/XX/XXXX KLARNA/WEBBANK XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency Transworld Systems Inc is claiming that I owe a balance from a lease agreement that I never signed. I tried disputing this information with XXXX  with no resolution. I advised XXXX that the signature is fraudulent, and that if they review my license, it will be clear that it is not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report the account with XXXX XXXX XXXX was opened XX/XX/XXXX. As of today this has not been removed from my credit report. The 7-year clock starts ticking 180 days from the date XXXX month and year ) of the XXXX missed payment that led to charge off, collection, foreclosure or repossession. 
" The 7-year ( credit reporting ) period referred to in paragraphs XXXX 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. XX/XX/XXXXc ( 1 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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: Investigation took more than 30 days

Complaint:
I am writing due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital one has made it almost impossible to dispute transactions. I disputed poor product delivered from a restaurant on XX/XX/2020 from XXXX XXXX and I provided the card company with the information they requested. However, they responded by saying I did not provide them with the information. I received poor service and was overcharged for an amount different from the restaurant menu, but the credit card company is refusing to help me. They make it impossible for customers to get their money back from fraudulent and misrepresented products and services, by making the process very difficult to go through. We can't even initiate this type of dispute on line and once I called them, I had to be on the phone for a long time and then they mailed in paperwork for information and still didn't help me resolve my dispute. Wasting of my time on a XXXX dollar dispute which should be resolved easily, but capital one makes you go through all these hoops that other card companies don't and still don't help resolve the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX-XXXXTrans UnionXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XXXX is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COLLECTION BUREAU OF HUDSON VA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home XXXX XXXX. The property taxes were included in the closing costs. I was advised through mail that XX/XX/XXXX Fidelity Mortgage was selling their accounts to US Bank Mortgage which whom would be our new mortgage company. I receive a bill from the XXXX XXXX treasurer dated XX/XX/XXXX for property taxes. I spoke XXXX at US BANK Mortgage on XX/XX/XXXX whom stated the payment to the county was denied. I made a case/ticket with US bank for the taxes to be paid. Advised to call back in 10 days. Call back and spoke with XXXX XX/XX/XXXX she stated there was a approval to pay but no payment made yet. Call back in XXXX. Call back on XX/XX/XXXX and spoke with XXXX whom stated no payment made and needed to make another case/ticket. Call back in 10 days. Call back XXXX and spoke with XXXX whom stated on XX/XX/XXXX check was sent. Call back in 10 days to verify. Call back XXXX spoke with XXXX whom stated it was paid but needed a email sent of the property tax bill to pay the interest of {$69.00}. Email sent XXXX. Email again on XX/XX/XXXX to verify if paid, no response. Call back ok XX/XX/XXXX and spoke with XXXX whom transferred me to XXXX to verify if interest has been paid and was told the penalty and interest rates is now {$400.00} and check was sent to county treasurer on XX/XX/XXXX for the amount. Call back in 10 days for check to clear. As per my US BANK MORTGAGE app states the original amount was deducted from escrow on XXXX. I called XXXX XXXX treasurer on XX/XX/XXXX to verify and XXXX stated they have not received any payments from US bank mortgage. They stated if the amount is wrong they would send the check back to the mortgage company. As of XX/XX/XXXX my property taxes, interest and penalties have not been paid by US bank mortgage when I originally paid my property taxes on XX/XX/XXXX at closing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.

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 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, TRANSUNION AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX ; XXXXXXXXXXXX

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 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in all documentation related to my identity theft case to Transunion. They are still reporting an account from creditor XXXX - XXXX that is listed in my police report and should have been blocked and deleted immediately. I have submitted my ID, police reports and affidavit along with my social security card and proof of residence.

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 2021-06-16
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am actively monitoring my credit, and a {$3200.00} collection showed up on my credit report. I began looking up the company to find out what kind of company it was and how this could have possibly happened. when I called the number, the last I spoke with told me that it was from an apartment I had leased. here is the story about apartment first. I signed the lease with a move in date of XXXX I already had a lease at that time an was planning on leaving my ex. I had went to view the apt and put in application with {$200.00} deposit for a move in special. my ex ended up moving out of the apt we were currently in and I stayed in my original apt . I called XXXX XXXX XXXX to inform them that I would not be taking apt and to get my {$200.00} back. The lady told me I could not get my {$200.00} back because I choose not to get the apartment.i have all my documents from XXXX at XXXX XXXX to show I had lease before and finished it after this apartment is saying I lived there. I explained this to the lady on the phone at collection agency and asked her why I never heard about non of this before it hit my credit 2 2 years later and she told me I had to take that up with apartments.i called the apartments and of course it was all new staff that informed me that they didn't know anything about this but the last staff was fired for some shady dealing. I have had the same number for 5 years and the same email for 7 years I was at my last apartment for 17 month lease duration, and at my current apt for 15 months. there is no reason that all of this happened and not one notice, phone call, email nothing. I am working on dealing with the criminal side of finding out the lady that leased the apartment to me after I had told her I didn't want the apartment. This collection agency not only won't take this off my report but have now hit my credit report every month with interest dropping my score every month. please help me get them to stop I have tried everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld has called my home XXXX times for my mother, despite being told she does not live with me. The calls occurred XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15. Today ( XXXX/XXXX/15 ) the call came in at XXXX this morning waking up my children. The number they call from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: ALLY FINANCIAL INC.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed with ally in XX/XX/XXXX and paid of my car in XX/XX/XXXX. I have another friend who is white and has bad credit history then mine was offered less interest and lesser payments while I payed them like XXXX on interest just in XXXX months. That is ridicules. Also they gave me an interest percentage of XXXX percent on that car. After all this overcharge I refinanced with them again and due to some financial hardship I was unable to pay my installemnt XXXX month and they have this program that allows you to extend payments due to anykind of hardship if you have paid XXXX payments on time. I have paid them XXXX payments on time and should have qualified for that but they refused me probably because I am XXXX. I am very upset. They overcharged me on my first car and now they are treating me differently just because from where I am

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 2016-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I found that there was an account for XXXX on my TransUnion credit report. I sent a certified letter on XXXX XXXX, 2016 to the address listed on my credit report. It came back as undeliverable. I then contacted TransUnion multiple times via phone and I also faxed them a copy of the mail I received back on XXXX XXXX, 2016 along with a letter asking for the negative account to be removed from my report due to inaccurate reporting. I was hung up on, told that they would contact the creditor but not delete the innacurate account and not transferred to the supervisor upon asking several times. 

Per the FCRA, this innacurate account needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation