BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: TN
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 have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in    XXXX   XXXX   XXXX   and  my dispute case disappeared. I disputed  again in   XXXX   XXXX   and th is company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  has investigated and removed this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of  2017  and my dispute case disappeared. I disputed again in  XXXX   2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.     TransUnion investigated and removed this right away.

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 2022-09-10
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my credit report I found information I did not recognize and/or did not authorize. They are the following : Inquiry-XXXX XXXX XXXXXXXX Collection ( s ) XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that in accordance with the Fair Credit Reporting act the accounts listed above have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion placed a fraud alert on my credit report without my authorization. I called to have them remove it, they asked me 2 security  questions to verify my identity which I answered correctly. Their supposed system said I answered incorrectly and now I have to send in all this paperwork to verify its me. This is so ridiculous.I emphatically deny asking for a fraud alert.They should not be allowed to do this without my permission.Please tell them to remove this immediately and to stop XXXX  around with 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: Utah System of Higher Education
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a military Veteran who has been in the process of purchasing a home for me and my kids since start of XX/XX/XXXX. After working with loan officer and to get all requested parts of the process completed for Pre Qual we moved forward and then in XX/XX/XXXX Utah Higher learning reported 90 days late. This came as a surprise and cost of a home for me and my family after reaching out to Utah Higher Learning Education and started an investigation on the reason why the loan was reported late and due to the Cares Act loans was prohibited from being reported late during the pandemic at the time until XX/XX/XXXX until the Cares Act was extended into XXXX. I reached out to UHEAA loans department to try and get this reporting removed and this went through first line reps up to a Supervisor which informed this loan wasn't a federal loan at the time I received around XXXX and due to my filing it should have been removed with XXXX bankruptcy. One first line rep suggest I file their forbearance paper which I did and faxed on different occasions which different reps gave me numbers for faxing for review. At the same time I have started the process for XXXX and XXXX XXXX. I call back again at least once a month up to presence with bankruptcy attorney and loan officer and once the process for XXXX process started my status change and being review by XXXX ( Dept of Education ) The UHEAA reps stated they can't go back and update the reporting late error in XX/XX/XXXX and the forbearance request will be denied without review due to TPD processing put me in a pending status. The docs I faxed to UHEAA was denied and I lost on the home and now in a month to month process where me and my kids can end up homeless and due to VA loan process the error is creating an issue to move forward. UHEAA loans dept have not change the error reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.   XXXX   has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   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 2021-05-12
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent this collection agency prove of my identity theft and they are refusing to close and not move forward with this collection process. my identity was stolen and I am at the current process of fixing this issue.

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 2022-03-30
Company: Cascade Capital, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Truthfully, I wasnt sure which box to check because this company has stooped to almost every single one of them.

1 ) They have communicated after my asking them to stop via verified letter.

2 ) They have made false statements and misrepresented themselves 3 ) They sent a letter to my parents address thus improperly sharing my information 4 ) They have attempted to collect a debt not owed as I have no record of this bill and they said that they had closed the account due to an inability to verify it I submitted a complaint against XXXX for the same matter earlier this week. While their response was satisfactory, it is clear that it was not true as I continue to be contacted by XXXX Collections for the same alleged debt that XXXX attempted to collect and then subsequently discharged according to their response to CFPB complaint number XXXX. 

XXXX initially mailed a statement to my parent 's address in XX/XX/XXXX. When asked, the representative at XXXX said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this, I realized that XXXX and XXXX must be part of the same group and that he was talking about the same letter, but your representative assured me that that is not the case and that he has never heard of XXXX. When pressed further, your representative said that the debt no longer belonged to the original medical group he had initially said that it did and that Cascade Capital Funding LLC was the new owner of the debt. On XX/XX/XXXX, I called Cascade myself and asked the representative what their relationship to XXXX and XXXX was. She candidly said " Oh- that's us! We're all the same! '' Knowing this, it is clear that Cascade Capital, XXXX, and XXXX are all engaging in deceitful and fraudulent collections practices. XXXX assured me that the debt had been written off as of XX/XX/XXXX and that they would no longer contact me in large part because they could not produce sufficient proof to verify the debt, but it is clear that XXXXCascade CapitalXXXX have resumed their contact albeit under a different name and that they have escalated to lying about their practices. Should these deceitful tactics continue, I will have no choice but to escalate the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: SYNCHRONY FINANCIAL
State: TN
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:
I received a notification on my XXXX Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX XXXX credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.

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 2022-09-10
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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 disputed the information to verify showing that the account was mine  XXXX  times. The results never came back as verified in my rights is that the account suppose to be deleted off 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 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.

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 2021-05-24
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent dispute letter to all three credit bureau it was removed of XXXX but XXXX  will not remove it I sent out dispute letter own XXXX and also sent one own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I Had opened a loan amount of XXXX at TD bank in XXXX   where i then used the money to purchase a XXXX XXXX XXXX. I Recently moved to XXXX, and there are no TD BANK in XXXX. The only way they would work with me is to go into a branch but the closest one is 1000 's miles away. Can not make payment over the phone and could not make payment online. Was not accepted. Because of the recent move i recently have gone through financial hardship and had been late on making payments because they usually automatically took the loan amount out of my account but it was not working so i would have to mail in checks but the day that they needed it by was not my pay day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited check XXXX from a third party bank into my Bank of America checking account and advised them that I did not want the funds released until it cleared the other bank. The funds were released the next day. I called bank of America and was told the check had cleared the other bank. I then did what I was supposed to do and sent the money to the vender. Within 2 hours bank of america said the check was badand removed XXXX from my account. Then said it was their policy to add the funds in 24 hours.

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 2021-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ), you are required to notify me of the reinsertion in writing within 5 business days. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have attached an identity theft report for these apartments as Ive never stayed there before, please remove at once. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In  XXXX   of 2016 I was need of some emergency cash. I responded to loan offer that I received via email. The process was prompt but I was not aware of the enormous interest rate. I borrowed {$550.00} and this far have money has been withdrawn every two weeks to the tune of almost {$2800.00}. I feel so stupid for being so desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: LA
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:
i started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.  XXXX   stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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: Public record information inaccurate

Complaint:
Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Pinnacle Credit Services, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recieved a letter from them today stating th at they are a debt collection agency and that i owe them over {$900.00} for ( what i assume from the name )  a cell phone. I have had the same cell phone company for about 20 years. I contacted cell company and double checked that i am current on my payments. Then i called the  XXXX  # provided by the company and got sent to  XXXX . The representative informed me that they were collecting a debt and that i need to send them the money. I told them that i am disputing this, that not only do i not recognize said charges but that i have had the same cell phone company for almost 20 years and owe them nothing. They proceeded to tell me that i owe the money and that i need to send them a check today or they would be calling the police to have me arrested and have all my assets taken. apoun further inspection of " said debt '' I proceeded to tell them ( per there own collection paperwork ) that it states that the " debt '' is too old for collections, they will not try to sue me and they will not report it to the credit agencies ... .they hung up. This was/is a scam trying to get money from me that i do not owe yet they still try to harass me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights XXXX 

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

15 U.S.C. 1681 Sections 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