BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, TransUnion, and XXXX  credit companies are not complying with their own policies in a timely manner.

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 2021-05-23
Company: EQUIFAX, INC.
State: GA
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:
This XXXX XXXX account was paid back in XXXX  and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This XXXX XXXX account was paid back in XXXX and the company agreed to delete the account once paid, it has still been reporting negatively on my credit report. The account number XXXX. I have contacted XXXX XXXX  directly and they are unable to locate an account in my name or using my social security number. I have disputed the account with all 3 credit bureaus with no resolution.

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 2021-05-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

Informative research- Inquiry from XX/XX/XXXX Equifax mortgage ser- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX- Inquiry from XXXX XX/XX/XXXX XXXX  - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX, and XXXX credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. My account number with Pinnacle Credit services shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from XXXX XXXX regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

Pinnacle Credit Services, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called Pinnacle Credit Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself XXXX times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email Pinnacle Credit Services and request the phone recording from XXXX XXXX, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid XXXX XXXX XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After Equifax had deleted and inaccurate late notice from XXXX XXXX XXXX for XXXX Equifax reinstated the inaccurate late notice without give me the required 5 day notice per the FCRA before reinstating the inaccurate late notice.This is a violation of the Fair Credit Reporting Act because Equifax didnt notify me before reinstating the inaccurate late notice.Equifax continue to violate the FCRA with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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:
XX/XX/2021 I DEMANDED ACCOUNTS BE VERIFIED OR 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
Consumer complaint received 2021-05-22
Company: Allied Collection Services, Inc. (Nevada)
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:
Allied Collection Services, Inc at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has sent me a collection notice in the amount {$1000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract 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 explanation
Consumer complaint received 2016-03-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, New Jersey XXXX department increased my child support payment amount by {$20.00} per month but did not make the change with XXXX garnishment operations. The result was a {$140.00} balance of which I was unaware. Probation indicated that the account is in collections 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 2021-05-22
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with fraud alerts or security freezes

Complaint:
O XX/XX/XXXX I was notified via XXXX credit monitor that 1 main financial had reported a hard inquiry on my credit report that i did not authorized horise

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
When I saw ( Year of birth XX/XX/XXXX ) on my Experian credit report I was shocked. I was born XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!

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 2021-07-11
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian reports the following information that does not belong to me : 1- Berks XXXX , XXXX/XXXX/XXXX, {$410.00} 2- XXXX XXXX , XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- XXXX XXXX, XXXX/XXXX/XXXX, {$940.00} 4- XXXX XXXX, XXXX/XXXX/XXXX, {$550.00} 5- XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 8- XXXX, XXXX/XXXX/XXXX, {$0.00} 9- XXXX, XXXX/XXXX/XXXX, {$0.00} 10- XXXX, XXXX/XXXX/XXXX, {$0.00} ( reported 3X ) 11- State of MDXXXX, XXXX/XXXX/XXXX, {$170.00} 12- XXXX XXXX, XXXX/XXXX/XXXX, {$0.00} 13- XXXX XXXX XXXX , XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX XXXX {$2000.00} 15- XXXX, XXXX/XXXX/XXXX, 30 days past due 16- US Dept of EDXXXX, XXXX/XXXX/XXXX, {$3700.00} XXXX US Dept of EdXXXX, XXXX/XXXX/XXXX , {$360.00} 18- US Dept of EdXXXX, XXXX/XXXX/XXXX, {$4900.00} 19- XXXX, XXXX/XXXX/XXXX, {$620.00} 20- XXXX , XXXX/XXXX/XXXX , {$590.00} Please remove these items

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 2017-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I HAVE DISPUTED THIS INACCURATE ACCOUNT SEVERAL TIMES WITH ALL XXXX CREDIT BUREAUS THE ACCOUNT IS XXXX THEY HAVE THE OPEN AND CLOSED DATES AND BALANCE REPORTING DIFFERENT ON MY CREDIT REPORTS ALSO THE ACCOUNT HAS BEEN CHARGED OFF SINCE XX/XX/2010 THEY SAID THEY HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT SENT ME ANY DOCUMENTS VERIFYING THIS ACCOUNT THE STATUE OF LIMITATIONS HAVE EXPIRED FOR THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: GVA Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was supposed to get a refund and some other stuff came up that doesn't look good.I need to make sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Securus J Holdings, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
When calling the XXXX toll free automated customer service number last week, it indicated a XX/XX/2021 deposit ( credit ) to my account in the amount of {$0.00}, which i did not recognize and is not even possible. Then when i checked my mobile application i noticed several more unrecognized credit transactions in the amount of {$0.00}. To me it seems that XXXX maybe receiving money for me and then immediately debiting it back out do that I never notice it's receipt in back-to-back transaction with XXXX XXXX effect on account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a an FHA loan and they gave me a preapproval of XXXX then as soon as they got my credit card information and i put the deposit of {$500.00} they broke contact with me and revoked my loan approval on grounds of which were already discussed before they gave me the approavl which was my tip income not being counted. Then XXXX XXXX wrote me an email saying my credit ard would not be charged / I would be refunded the XXXX deposit as no services were received but yet they have failed to stop the payment charged on my XXXX credit card and I now have the charge showing as a payment due. the following is the response eail from XXXX regarding the XXXX deposit - On Wednesday, XX/XX/2018, XXXX XXXX CST, XXXX, XXXX XXXX wrote : Good Afternoon : Thank you so much for reaching back out to me. I am terribly sorry your loan is not moving forward and we have found ourselves in this position. Right now I can tell you that I will be digging into your loan application from start to finish to assess what happened and take corrective action as necessary. In regards to your deposit, I will be making sure we refund this to you in full. Right now there is a pending charge, but I will be having my accounting team remove that pending charge from your card. If you have any questions regarding this, please do not hesitate to contact me. 



XXXX XXXX Executive Resolution Advocate Quicken Loans Executive Office Direct : XXXX - Toll Free : XXXX ext. XXXX Fax : XXXX XXXX Every Client Every Time No Exceptions No Excuse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  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 2015-06-25
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently checked my credit report, and I made an attempt to pay off or settle all of my debt. There was a listing from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. This was in reference to an account with XXXX. I called the company and settled my debt with them. I received a paid in full letter, and I disputed the information with all XXXX credit bureaus to get them to update my credit file. On XXXX/XXXX/2015, I received a phone call from Receivables Management Group, XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. They informed me that they have received an account from XXXX XXXX XXXX, and wanted to know if I wanted to pay them before they put the collection on my credit file. I informed the lady that I had already settled the debt, and that I was not going to pay for a debt that had been settled. I told them that it was illegal to try and collect on a paid debt. She told me that they received the account in XXXX of XXXX. I told her that she needed to contact XXXX. and figure out why they sold them a settled debt. The lady then begins to tell me to produce documentation saying that I had settled the debt. I refused to do so, and demanded that she settle this issue with XXXX. I then informed the lady that I would be filing a complaint on her and the business for trying to collect on bogus debt, and she hung up in my face. I wish to file a complaint, and be compensated if possible for the harassment that I suffered from XXXX XXXX XXXX and Receivables Management Group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX in full in XXXX 2012 after they left defective exchanged mattresses, boxsprings on my sidewalk outside my building which is illegal in XXXX due to bedbug epidemic, I stated that I would take XXXX to small claims court if they did not reimburse {$500.00} I had to pay for immediate removal as they would not send drivers back to pick up. Also, originally XXXX 's claimed they did not receive returned merchandise, but that is because their drivers dumped on my street. After numerous calls to XXXX 's corporate, I paid in full and closed my account after speaking to corporate minus the {$500.00} I had to pay out of pocket. Now it has been 3 years and debt collector seeking original debt plus the {$500.00} I paid out of pocket and an additional over {$1000.00} in fees. This was paid and closed in 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: Sortis Financial, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting your organization to inform you of the outrageous and blatantly illegal loan servicing practices of ClearSpring Loan Services. They have illegally foreclosed on my home without following proper foreclosure protocol and notification as required by Michigan law. They then sent out a letter two months AFTER the sale acknowledging that my loan was delinquent ( state law requires this letter to be sent out prior to the sale ) and that they wanted to work with me towards a modification -- -even though the house was sold at auction on XX/XX/XXXX. So I know that something is up. 

Clearspring lied to me, misled me and made misrepresentations to me. My first piece of evidence is the recorded phone call from XX/XX/2016 when their representative XXXX was asked the question, " is there a sale date on this property? '' approximately 3:20 into the call. She said she would look and then responded at approximately the 4 minute mark of the phone call that there was not a sale date at the time. ( sound file of call attached ) However, the property was sold at foreclosure auction on XX/XX/XXXX. Not only did Clearspring fail to notify me, they also failed to publish the notice of sale in the newspaper as required by law for the requisite 4 weeks. Then to further illustrate the amount of fraud being perpetrated by ClearSpring a letter was received on XX/XX/XXXX ( attached ) from ClearSpring, informing me that my mortgage payment is now more than 30 days past due and offering to try and work the situation out. 

Under Michigan law this letter was supposed to be sent PRIOR to the sale. This is a futile attempt by ClearSpring to cover their tracks. Even more unbelievable is that XXXX sent a package to complete so that I can be reviewed for loan modification, even though they told me that my house was already sold and that I am only still there because of the redemption period and that I am still in the house because there is a redemption period in Michigan. This company is being sued in Michigan as part of a class action suit for violations of the FDCPA ( Fair Debt and Collection Practices Act ) because they have engaged in this same type of behavior in the past. They have XXXX agents, XXXX and XXXX who have repeatedly given us the runaround and failed to explain what is going on. They have attempted to state that the home was auctioned off because the bankruptcy was no longer active, yet for some reason ClearSpring did not follow the notification laws as required in the state of Michigan. 

I make enough money to afford a reasonable payment and was engaged with ClearSpring in the modification process when I was blindsided with the news that the property had been sold. This is obviously a mistake, or they are purposely misrepresenting the status of homes to the owners in order to conduct an illegal foreclosure. Either way, it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Atlanticus Services Corporation
State: MI
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:
FORTIVA MC/XXXX are reporting to the credit bureaus false information. Stating missing payments for XXXX and XXXX. This account has been closed on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
ELAN SHOWS UP O  N MY CREDIT REPORT.
THIS IS NOT MY ACCOUNT!     SEEMS TO BE FRAUD.

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