BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi. I have sent many different verification letters to the credit bureaus in regards to the inaccuracies across my credit report. I told the credit bureaus that there are inaccuracies in names, addresses and companies that I did not recognize as well as inaccuracies in the dates across the board. All of the credit bureaus, for the last 3 months have verified this information. Until this day none of the dates are aligned so how can you say you verified the information? 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reporting duplicate as well ), have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not funrish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Equifax security breach of XXXX has made my credit information public knowledge and I 'll most likely have to sign up for credit monitoring for the rest of my life. This is pretty much the worst possible scenario for me, a person who has spent a life time making sure my credit score is in good standing. Not only this, but they acted in bad faith to enrich their own people when they should have reported the issue to the public immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Reporting company used your report improperly

Complaint:
The credit reporting company Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, its been over 60 days later and I have not received a response back. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the item from my credit report it has been over 60 days so this item late payment should be deleted immediately. I demand this late payment be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-12
Company: CURO Intermediate Holdings
State: TX
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:
On XX/XX/22, XXXX XXXX/CURO from XXXX XXXX XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry on my credit. I never authorized this company to check my credit. I never heard of this company before. 

On XX/XX/22, I recevied a credit alert from XXXX XXXX and my bank. That is how I found out about this fraudulent hard inquiry. 

On XX/XX/22, I reported this fraudulent activity to XXXX 's account fraud dept. XXXX told me to file this fraud report with CFPB/FTC, and contact XXXX XXXX to report the issue and request an explanation. I also called XXXX XXXX, and spoke with a customer service employee. She transferred my call to their account management dept. An answering machine picked up my call, and I left a voice message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had bankruptcy. We attempted to reaffirm a XXXX XXXX  car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our Transunion score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. Transunion then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which XXXX and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but XXXX dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. Transunion didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax employed lax and careless security standards with my personal data as well as the personal data for 140+ million other Americans. They allowed this information to be improperly and irresponsibly secured and they were hacked exposing myself and millions of others to potential risk of identity theft. They then asked me to waive my right to litigation in order to confirm whether they had leaked my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1981 Section 604 A. States I have the right to privacy 15 U.S.C 1981 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions There is also information that does not belong to me that is being reported on my credit report I already disputed the information and they keep adding it on my credit report I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is not my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax, through their negligence, compromised the personal data for me and 150,000,000 fellow citizens. This is unconscionable and needs to be addressed. I do not want a {$2.00} class action settlement or some token gesture of a " free '' year of monitoring ( after which I would need to pay them. ) I want and expect them to take ownership of their negligence and provide, in perpetuity, a credit freeze and/or fraud alert on all of the credit bureaus for all of my personal data. 

To expect me to pay *them* {$10.00} to freeze, and again to unfreeze, my credit data for both me and my wife due to *their* negligence is outright criminal and needs to be addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Problem with personal statement of dispute

Complaint:
Creditor 1. XXXX Account number XXXX Transunion -- There was never a dispute. Please remove comments. 

2. XXXX XXXX XXXX Account paid- please remove comments. no disputes 3. XXXX XXXX please remove comments ( never disputed anything ) ( 2 entries -- Transunion ) 4. XXXX XXXX XXXX XXXX  XXXX - paid/closed -- please remove negative remarks 5. XXXX XXXX XXXX- Please remove comments- 6. XXXX Account number XXXX - chargeoff removed by Creditor -- sent to all 3 bureaus. Will submit proof. 

7. XXXX- creditor error -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only $ XXXX month and at the time, I had 4 or 5 mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: Professional Debt Mediation, 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 status incorrect

Complaint:
I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for PROFESSIONAL DEBT in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRUSTMARK CORPORATION
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Initially a construction loan through Trustmark National Bank ( land owned by us ) when we finished building the bank strong-armed us into an in-house loan product with a balloon paymnent due in 7 years. It was never explained to us why we were given this type of loan or why we didn't qualify for a conventional loan. We had qualified through another local bank for a FHA loan but went with XXXX due to our builder recommendation. We had a modification due to loss of job and this is when we learned of the in-house loan and not a FHA loan. I had applied for several federal programs to assist us since I was going back to school for XXXX but they weren't available to me due to our loan type. Even when the modification was given it was never explained to us that we had a balloon payment loan. 
I feel that we have been unfairly targeted because of race. 
Also, the current balance has increased to more than what we initially borrowed for the mortgage and this is after almost eight years of mortgage payments.

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 2022-07-12
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XX/XX/XXXX XXXX XXXX initiated a collection action using the collection agency Mrs BPO to collect from me {$890.00} for purchase of an XXXX XXXX. I never made this purchase. On XX/XX/XXXX I contacted a local XXXX XXXX XXXX  branch in XXXX CO to help me understand what this matter was about. I learned the following from the XXXX XXXX XXXX agent : That someone using my name and social security number had made the purchase from XXXX XXXX XXXX. That the address that person gave to XXXX XXXX was XXXX XXXX XXXX, XXXX TX XXXX. That the XXXX  XXXX purchased has an IMEI identification # XXXX. The XXXX XXXX XXXX agent connected me with the XXXX XXXX XXXX fraud department who committed to withdrawing the collection request from Mrs BPO collection company and to investigate the case as fraud. The XXXX XXXX XXXX XXXX fraud department agent told me they would advise me of the results of their investigation within 30 days. As of today, XXXX XX/XX/XXXX, I have not received any communication from XXXX XXXX XXXX. I am filing this report at the suggestion of an XXXX Corporation agent with whom I spoke today, XXXX XXXX XXXX I want my credit report with the three major credit reporting companies restored to an Excellent rating and any adverse credit report removed from their database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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: Account status incorrect

Complaint:
I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for XXXX XXXX in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX. 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Security Breach - notified that my information was most likely affected.
I put a 90-day fraud alert on my credit activity with the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
Equifax had a security breach, and my information may have been compromised according to Equifax 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AL
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 had a major cybersecurity breach that they did not disclose to the public until over a month later. 3 days after the discovery of said breach, and therefore almost an entire month before the knowledge was made public, three known  inside executives performed insider trading of Equifax stocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital one bank us, XX/XX/2017 paid off account still shows on reports of XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I talked to XXXX XXXX and XXXX XXXX about a debt they claimed I owed to XXXX XXXX XXXX. 

I did not know I can dispute debts with XXXX, and when the collections Agency called they didn't ask to verify that the debt was mines they just assumed that the debt was mines. 

I paid the debt because I had no idea how collections worked and how much of a deceptive business it is. 

On the phone, the collections agency agreed that if I pay this {$260.00} amount, I would be able to open an account with XXXX again and the agency agreed that I would have my charge off removed from my account. 

I paid the {$260.00} and called the collection agency for months before they actually made any updates on the charge off. 

When they made remarks to my credit report, they didn't even report the balance as fully paid and so I called them again to fix it. 

The agency finally decided to reflect a balance of {$0.00} left on my charge off, but the agency never removed my charge off from my credit report. The agency also did not tell XXXX that I paid an extra {$40.00} to unban my XXXX account. The agency just kept the money and I had lost access to the only credit union account that I ever had. 

This charge off from a XXXX XXXX  made it where whenever I applied for any credit union banking accounts, I was immediately denied. 

These collection agencies are allowed to perform practices which are very deceptive and just downright lie with confidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit after being denied several times for a new auto loan. I came across an account for CONVERGENT OUTSOURCING with the ORIGINAL CREDITOR as XXXX and the amount owed is {$440.00}. I never received a final bill, or a collection notice from XXXX or from Convergent. My address has changed since the account was opened but my mail was always forwarded, and I never received any notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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:
Equifax mishandled my information, which puts me and millions of other people at risk.I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.They did n't notify thee public quick enough, The CEOs sold their stock in the company before the story broke aka Insider Trading.

Company response to consumer: Closed with explanation