BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly asked TransUnion for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports.

TransUnion states that these companies had a permissible purpose but have not provided me with any documents showing so.

I need to know the name of the person from each of the companies that received my credit reports from TransUnion and for what permissible purpose as well as all documentation TransUnion received to give these companies access to my credit reports. I am also requesting the name of the person from TransUnion that provided my reports to these companies. I need to see documentation on all inquires listed on my TransUnion credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. TransUnion ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to TransUnion making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that TransUnion delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with TransUnion as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX and my legal counsel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Ray Klein dba Professional Credit Service filed lawsuit in the XXXX XXXX of the State of Oregon for the County of XXXX case # XXXX for medical debts at XXXX XXXX XXXX in XXXX XXXX, OR for emergency room services performed on dates between XX/XX/XXXX and XX/XX/XXXX all of which was well beyond the State of Oregon XXXX year statute of limitation on debt collection. Also claimed principal in the amount of {$4700.00} and interest at 18 % per annum ( double the Oregon allowed 9 % ) totalling {$12000.00} for a total of {$17000.00}. This amount was utilized in the lawsuit to also put the total claim out of the range of small claims court to civil court when the plaintiff was further suing for collectable debt totalling {$2400.00} ( {$1.00} short of the {$2500.00} threshold to be civil versus small claims ). They are knowingly attempting to collect on too old debt, and utilizing that debt to move the case to a higher court that requires higher filing fees for defendant response. They also knowingly provided in the served copy of the suit incorrect filing instructions directing me to the XXXX XXXX XXXX XXXX. They also knowingly included instructions for response to a small claim when they filed in civil court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX XX/XX/XXXX XXXX XXXX runs my credit without my authorization I try to contact Equifax for solve this problem but I ca n't the system reject me out if somebody can help me with this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Franklin Credit Management Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Several months ago I fell behind on my payments. I initially tried to send extra payments to mortgage company but the payments were sent back. I filed a loan modification application but was denied. An XXXX XXXX was sent to me so I used XXXX XXXX to assist me. We filed an appeal which was denied but of some in accuracies in the budget. XXXX XXXX ( XXXX XXXX XXXX ) has been trying to resolve this matter with franklin credit management but to no avail. We sent another timely appeal to franklin credit management but they still havent replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card
Issue: Other

Complaint:
I took out a credit card over seven years ago just before the financial meltdown when times were somewhat good and rents were still really low. Being that I had never had a credit card before and it had a low limit I thought I was doing okay. They kept raising the limit and the interest which raised the note each month I had to pay before I realized it and they knew on my account notes that I was on a fixed income. so I tried to do what I could. It finally got to be too much and I could n't pay on it any longer. They started with harassing calls, threats with a collection agency until finally I got the police involved. Now it is past the seven years that the FCRA says they can legally keep it on my credit, yet Capital One keeps it on there like a dog with a bone because they do n't want me to ever have a chance to start over. They want me to stay in the ditch forever. The whole point of the seven year rule was that you get to start over at some point. Not let it keep hanging like a noose around your neck forever. They also have an account of mine when I used to have a checking account which they activated some kind of auto debit which I did n't even know about and it overdrew my checking account by XXXX bucks. They did that thinking with my medical XXXX check going in automatically they would make money off of me. However, I was a little too quick for them. And so was social security. They were able to aid me in getting away from Capital One 's predatory tactics once and for all. They nor I however dreamed Capital One would chase me until my grave.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: ORG GC GP Buyer, LLC
State: PA
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 account I had with XXXX was reported to GC Services Limited Partnership collection agency which I communicated with for a settlement agreement and paid the balance I owed in full. They assured me I would be receiving a letter confirming my balance is paid in full yet to date, I have not received any letter. They are still showing an amount owed to them of {$97.00} on my credit report so they are still affecting my credit despite the fact that I paid them in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Klarna AB
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today I applied for a reapproval for Klarna and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not XXXX this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : 1 ) XXXX {$660.00} date : XX/XX/2022 2 ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} date:XXXX 3 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) {$740.00} XXXX 4 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} date:XXXX 5 ) XXXX  {$6500.00} dateXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The complaint is against Guaranteed Rate XXXX. There are 3 issues with loan processing and closing cost. 

1. Not able to close on-time - Guaranteed Rate had more than 2 months for processing the loan application, There was not a single document delay on my end. I ended up bearing extra rent cost XX/XX/XXXX, this was solely due to Guaranteed rate 's inability to close on time that they had committed. 
Application was originated on : XX/XX/2015Original closing date : XX/XX/2015Actual closing date : XX/XX/XXXX 

2. Closing cost - I was quoted closing cost to be around {$2000.00} ( I have email proof from the Guaranteed Rate ), I ended up paying close to {$4000.00} instead, including attorney fee. I was promised that closing cost includes attorney fees. This closing cost does not include the escrows and other pre-paid expenses. 

3. Pre-paid interest - Even though we closed on XXXX, my loan started from XXXX and I was charged pre-paid interest even when the loan was not actually closed. 
The loan interest started fron : XX/XX/2015Actual closing date : XXXX. The HUD-1 document was provided to me 1 Hour before the actual closing. Guaranteed rate did not provide sufficient time to review the document and sign. If I had not signed the HUD-1 document, the deal would not have closed on time and I would have lost my deposit ( {$27000.00} ). This is such a non professional experience and sort of a black mail to agree to their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX  ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section 2. States a consumer reporting agency can not furnish a account without my written instructions which I did not give.

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 2022-05-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy.

15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
I have been submitting multiple letters as CFPB complaint requesting that the Credit Bureaus reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/202XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
there was suppose to be an update to the rushcard system on XXXX XXXX however there was a glitch and now I am getting charged a domestic POS fee every time I use my card which has added up to over {$35.00} in fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo didn't pay me {$300.00} Checking bonus when I meet all the requirements. When I called customer service, I was told I need to go to a branch to discuss with a banker. But I opened the account online instead of in a branch.

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 2022-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid directly to the hospital around the time the collection agency reported it. I have contacted them several times and sent several faxes with the receipt showing it was paid online. They then sent me over to another company who has refused to return my phone calls. One of their agents hung up on me and told me the other company is not handling the case that they are. Whenever I call either company they say it is up for review review means that they 're checking to see if the documentation was received. The documentation was facts almost two months ago and I have confirmations from the sent fax. Whenever I contact them they give me several phone numbers but no one has contacted me back. I 've also fax to several different numbers that they gave me for their company and also the other company that it 's supposedly handling the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had maid 3 payments to settle the debt with the company, and the remaining balance they said they would let go is still on my credit report, I have called once and reported it, and they have n't taken it off still.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a certified letter to Transunion ( Tracking Number : XXXX ), which was received by XX/XX/22. I was requesting an investigative consumer report for the accounts they said was verified on my consumer report. Transunion has corresponded on XX/XX/22 with a response unrelated to my dispute! I'm aware of the stall tactics that Transunion uses in regards to the time allowed by law to response to disputes. Not only they are ignoring the 15 days I gave them to respond to my dispute to what I was requesting, they are furnishing accounts on consumer report without my written consent pursuant to 15 USC 1681b ( a ) ( 2 )!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Check n go sold my debt to XXXX XXXX. XXXX has subsequently called all of the references I gave XXXX and either left a message or talked to them regarding a " complaint filed against XXXX XXXX and we need to speak to her today ''. This is not professional and borders on illegal dissemination of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the XXXX XX/XX/XXXX We purchased a flight ticket on XXXX for XXXX EUR  ( XXXX $ ). 
Later tickets were cancelled ( XXXX XXXX stopped operating its service ), merchant acknowledged it and we did no received service that we paid for. Months later we were provided a voucher for future service. We don't have any future intentions for travel with my family and we are not going to use this voucher within 12 months. My family spent extra XXXX $ for purchasing tickets from XXXX to get to final destination because XXXX could not provide customer service or voucher in time. 
We filed dispute with capital one credit card, but we were credited back, decision was based because voucher was provided from the merchant. 
We would like to get our money back because service was not provided in time as it was promised when we paid for tickets

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 failed to protect personal information including, but not limited to : address, SSN, date of birth, drivers license information, and credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Southwest Recovery Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have tried numerous times to contact Southwest Recovery XXXX in regards to a debt on my credit report. I have no idea who this company is. They have refused to contact me back, answer any phone calls and to this day I still do not know who they are. Requesting assistance to have removed from credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation