BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: Radius Global Solutions LLC
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2015-12-09
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Received disclosure notice dated XXXX/XXXX/XXXX from XXXX XXXX. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for TRANSUNION. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from 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 2016-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was contacted in XXXX, through XXXX, through an alert that there had been a judgment placed against me for a tax debt dating back from 2006. This was the first notification of any debt and I promptly paid the owed amount, plus interest and penalties, as my credit has been perfect and wanted to keep it that way. Consequently, I asked the Transunion Company to investigate, because they put it on my credit report as a negative-Judgement, but it was over ( 10 ) years old and this was reported incorrectly by the reporting agency and should n't have been allowed to even be placed on my report? There was no notification of the debt, prior to it appearing on my report, I lived in Alabama for ( 3 ) short months in 2006 and paid state taxes-taken out of my check, while I worked there. How they filed my taxes for me and came up with this " derived '' estimate, is beyond me, but I paid it willingly, because I had no records to contest this amount. I paid it as soon as I was notified, even though it was over ( 10 ) years and I was provided no information from Alabama Department of Revenue, when I asked for it? The original amount of the alleged debt was {$330.00}, I paid them {$560.00} to satisfy the debt, as once again I had no records after ( 10 ) years to contest this amount. 
Under the FCRA, the debt was paid in full and is over ( 10 ) years old ( 2006 ), so it should not be able to be continued to be reported on my report. It has been illegally reported and kept on my report, even after I disputed 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 2015-04-02
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a letter in the mail stating that I had applied for a card and I had NOT. I tried calling the bank and was put on hold for close to XXXX minutes after being passed around several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called Transunion to inquire about an address I did not recognize on a credit report they mailed to my home. They asked me for my social security number? The report came with a file number and I gave them that. I was then repeatedly asked for my social security number which I did NOT feel safe/secure giving to someone not in the United States. I tried to explain that since this document was mailed to my home and it had a " file number '' which should be unique to MY FILE that I should not have to supply my social security number especially to someone who demanded that I give it to them. Why do you still allow this or any company to ask for social security numbers to verify IDENTITY?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 3-4 times per hour everyday. Never leave a message they try my house then cell phone so I end up have up to 8 calls per hour for 12 hours a day. If they want to teach someone they should leave a message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, 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:
Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-08-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Last year I made a construction loan and began inquirys of several different leanding agencys to secure permanent financing of my home ... my goal was to REDUCE my interest rate and to gain FIXED rate financing on the home. I contacted XXXX ( or XXXX ) different sources and was able to secures a fixed rate below 4 % ... ONE goal ONLY and yet my credit scores began to drop ( a total of appx. XXXX points ) in the process. Is THIS proper? I do n't think it 's the intent of credit reporting agencies to penalize anyone 's rating for do9ing the RIGHT thing ... please investigate and remove these " hard Inquirys ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a dispute and was credited before they took it back Suntrust bank sent me a email

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 2016-06-03
Company: Vengroff Williams, Inc
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've paid the debt directly to the clinic I 've visited before they send out the request. Simply because I did n't keep the confirmation number, they were n't able to get the record for payment and insisted me to pay again. 

I ended up paid the amount again simply because the amount is not large and the whole process is super annoying.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: ID Analytics, 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 information incorrect

Complaint:
I applied for a car loan thruough XXXX. I just received a denial letter. Whicj is fine. I know my scores are im the high XXXX. In the denial letter some company named XXXX had a way lower score. Who is this company. I have never heard of them. Theu are reporting incorrect information to companies and having companies deny us credit. This is not fair. Csm something be done?

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 2023-07-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Ive disputed on the credit bureaus website the wrong addresses and nothing has been changed or updated. An account is also being reported as late on XXXX and it already has been paid and closed

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 2016-01-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was contacted by XXXX XXXX some time back concerning a debt owed to XXXX. I instructed them that I had received class action paperwork as they had no right to collect on me as they are in a class action lawsuit. I have paid them a total of about {$1700.00}, paid consistently on a monthly basis. I am a member of the class action. XXXX is famous for illegal collection practices. The FTC will verify this as well. I am requesting they return my money, cease collection efforts per the XXXX XXXX XXXX, and FTC. Thank you so much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: CA
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:
The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Our home ( primary residence ), as a result of XX/XX/2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per XXXX but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX Experian, XXXX and XXXX, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX at about XXXX XXXX, I deposited a payment check in the amount of {$460.00} at the Citizens Bank ATM, XXXX XXXX  XXXX, XXXX, MA. 

The ATM accepted the deposit but shut down/ rebooted before returning my ATM card or providing a receipt for the transaction. 

I called to report it to the bank while waiting for the machine to reboot ( approx. 30 min. ) I explained what had happened and was told that I needed to file a claim, and allow 14 business days for the investigation. I declined the process. 

On XXXX XXXX at about 9 am I called the bank branch and spoke with Branch Manager XXXX XXXX. She retrieved the check from the ATM but refused to process it or return it to me. Mrs. XXXX advised me to " contact the writer of the check and have them give me another one. '' The writer refused unless I could return the initial check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: NJ
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 are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have made several disputes with Experian regarding my credit report. Every time I attempt to dispute information about the following XXXX Account Numbers : XXXX and XXXX, Experian does n't allow me to dispute them. I have also requested status update on when the information will be removed from my credit report and Experian never provides an answer.

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 2015-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have repeatedly notified Experian credit reporting agency that XXXX XXXX XXXX with account number XXXX is currently reporting this account as a charge off for {$17000.00} in addition to the wrong open date for the account. This account was included in chapter XXXX bankruptcy and needs to be updated to show discharged in chapter XXXX bankruptcy. ( please see attached supporting documents ) I have also repeatedly notified Experian that Security Service federal credit Union with account number XXXX is currently reporting as a $ XXXX off in addition to the wrong opening date. This account was discharged in chapter XXXX bankruptcy. ( please see attached documents )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am in receipt of your correspondence dated XX/XX/XXXX. The letter stated the following : Our records show this account is closed and charged off on XX/XX/XXXX, with an outstanding balance of {$10000.00}. On XX/XX/XXXX, we sold this account to XXXX XXXX XXXX XXXX XXXX. XXXX confirmed that Capital One is no longer reporting your account to the CRAs. 

The balance associated with account ending in XXXX is disputed. This correspondence serves as a billing error notice and I request ALL documentary evidence on the above-referenced account be sent to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I realized my Suntrust checking account was being charged for XXXX transactions that are not mine. The bank declined to take any documentation from me and only wanted the dates and amounts in dispute. The bank rep suggested that someone hacked my XXXX account rather than stealing my debit card. I explained that none of those transactions are showing on my XXXX, but she would not accept the documentation. XXXX is not accepting calls and can only handle disputes for transactions showing on my account so there is not way for me to clear this with XXXX. Therefore, I reported this as fraud with my bank. They denied my claim saying I have other XXXX charges on my account so this is " consistent with my previous banking history. '' Yes, I told them up front that I have an XXXX account and all charges look identical except for date and amount regardless of the delivery location as the bank well knows. Therefore, I don't understand how that conclusion is meaningful or fair. This is not a proper investigation. XXXX has a record of whose account those transactions were made on and the delivery address. They have the info necessary to find the criminal, but are not doing so and seem to have not even spoken with XXXX about this claim. The bank manager told me today that there's nothing else they can do to help me. The most recent charges were still pending when I called. They have since posted those transactions to my account and are refusing to take it off even though I caught it before it posted. This is beyond infuriating. 

There were 13 transactions from XX/XX/XXXX through XX/XX/XXXX as shown in the attached document. I've also attached my XXXX account showing my actual transactions and you can see the ones I disputed as fraud are not on my XXXX account. 

Fraud Transactions : XX/XX/XXXX {$34.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$29.00} Total Fraud Charges : {$330.00}

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