BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. 
so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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: Information belongs to someone else

Complaint:
Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. 
so I'd like to report this to ask for help in restoring my credit.

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 2016-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I previously have had an account with Bank of America they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.

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 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassment and abuse after an account was already deleted by them. This is breaking the law.

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 2022-03-27
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: Information belongs to someone else

Complaint:
My XXXX is stating I have an open account for XXXX and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with XXXX, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new XXXX XXXX balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through Experian. I am calling XXXX as soon as they open their customer service.

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 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My XXXX  is stating I have an open account for CapOne and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with chime, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new Capital One balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through XXXX. I am calling CapOne as soon as they open their customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent Central Credit Svs LLC a letter requesting back up for this debt - which I do not know what this is for.   They have also stated that  XXXX   XXXX   XXXX   XXXX   XXXX  has purchased the debt.   They responded with an invoice that has  XXXX  line stating emergency eval?? no idea what this means nothing else is included except for the fact it says Patient Portion due  XXXX  Past due amount  XXXX  They are continuing to send me the same letter stating this is " Back up '' for the debt owed I want this removed immediately from my credit report and for them to cease all communication/collection on this debt which states my portion is  XXXX  and if there is a debt owed please provide proper documentation.

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 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I looked at my credit and found a collections item on Transunion from XXXX XXXX XXXX. I asked for validation a week ago ands told It would be sent but they did not ask for my address. The credit reporting agencies have this up now as truth, and I knew nothing about this, The process was circumvented and Transunion is complacent in this. I want this investigated. The reporting agencies make it almost impossible to do business with them. I believe this was put on my credit report due to false information, I was not sent validation even after requested, I can not find the original creditor of this alleged debt, The company that placed this item on my reports does not hold a license in my state to operate as a collection agency.So in short this credit bureau has put and item in collections solely on the word of a company that has been accused of scamming consumers. This fact makes the agencies an accessory to the harm this is doing to my plans to refinance under HARP before 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 2022-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I continually complain against Experian and XXXX XXXX XXXX XXXX XXXX XXXX ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission but I know it does not exist. XXXX XXXX plays word games like XXXX is currently doing with XXXX by denying, deceiving, and XXXX then labels all complaints as duplicate. Experian replies with a very nice deceiving reply mixed with donuts & XXXX but neither have sent copy of the permissible permission. So I will continue to ask for the permissible permission used by these XXXX XXXX world companies to access my credit report on XX/XX/2017 until they answer. It would also be nice for an employee to stand up against XXXX and Experian and say this isnt right.

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 2022-03-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 I filed a dispute with Wells Fargo Claim # XXXX and claim was denied with the reason stated was these were pin transactions but only 2 happen to be pin transactions and the rest are same companies that Wells Fargo paid on another claim. Tried to resubmit claim and i can not because it states that these transactions have already been disputed. 

Example : Claim # XXXX XXXX and XXXX XXXX transactions were credited back to me but on Claim # XXXX same merchants XXXX XXXX XXXX XXXX was deemed a pin transaction and denied. This was not a pin transaction.

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 2017-05-25
Company: Capital Markets Cooporative, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to a complaint previously filed by me on  XXXX   XXXX ,  2017 . As background, I had not received a paper statement of my monthly bill and I was getting worried that they would send it too late for me to make the  XXXX   XXXX  payment on time. I did n't want to incur a late charge. I contacted customer service of  XXXX   XXXX  because that was  one  of the logos printed on a prior mortgage bill ) and  XXXX  told me that CMC Funding was servicing my loan and  XXXX  could not help me. I called  CMC Funding  and they pointed me to their website ( I never received a welcome package or information of what the website for online payments was ). But then I could n't seem to login. Finally, after working with the customer service person for an hour, I was able to access my online account and I paid my mortgage for  XXXX   2017 . Today I wanted to go online and check my escrow balance so I went to the CMC website. I clicked the top login button on the webpage and I was routed to a login page where I entered my information. But the webpage said that it did not recognize my account information so I called customer service back to report the online issue. When I spoke with the customer service representative, I was told to go back to the  CMC  website and click the login function on the BOTTOM of the webpage, as the login function on the TOP of the webpage routes to  XXXX  due to a website error. Both  XXXX  and CMC are subsidiaries of  XXXX  but they service different loans for the company. I find it concerning that CMC knows that there is a website functionality error on their website that is routing customers to the wrong loan servicing company and their current solution is to wait until customers call and direct them to use the bottom login. Before I 'd been told this information, I kept going to the top login function to try to access my account and on multiple occasions entered my social security number and other identifying information. It 's disconcerting to me that my information might have been sent to a loan servicing company that is n't associated with my mortgage on multiple occasions due to their website functionality problems. Moreover, CMC still has not addressed why I am no longer receiving paper statements. I ask that CFPB investigate   XXXX   and CMC to determine whether these companies are appropriately servicing loans and whether their negligence results in higher levels of loan defaults and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It 's been almost 7 years that I paid off the amount of {$1400.00} and I 'm tired of contacting TransUnion about this error in my credit to be remove. I just want XXXX to remove this negative item in my credit because it 's hurting me to get a credit card or loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( debt from XXXX ) hired Petenaude Felix - represented by XXXX XXXX XXXX. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX Patenaude & Felix ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by Patenaude & Felix or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days  ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted Patenaude & Felix XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact XXXX XXXX and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss  XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
Patenaude & Felix made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of XXXX XXXX. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX XXXX XXXX I am now struggling to get a loan for a vehicle of my own that I can afford to drive. XXXX XXXX is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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