BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received an alert through my creditwise monitor account from Transunion stating my account is derogatory as of XX/XX/XXXX ( it was just updated to an improved account on XX/XX/XXXX ) ..that the lender reported it.. I called today XX/XX/XXXX to XXXX XXXX credit reporting department and was told my account is current and no past due amount and this information was reported to the credit bureau i then called Transunion three times today XX/XX/XXXX saying that I needed to contact yhe creditor 1st call she pulled my account with no problem 2nd call back i was told im a victim of fraud and my account can not be access and the rep gave me a number to call which i did to be ask do i want to place a freeze on my account if I Feel like im a victim of fraud wait what?? I was just told by your last rep i was but now you saying you apologize for the the inconvenience ok so i go on to explain why im calling again to be told to contact the creditor once again i explain ive already called and was told they reported the correct information that i needed to call the credit bureau i have statements showing my payment was on time and my account shouldnt went back negative 12 days later i would like this corrected by whomever isnt updating this correctly ive worked hard to get my credit back on track and to get bounced around from creditor to credit bureau and vice versa

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 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 call transunionabout multiple inquiry, coaf  XX/XX/XXXX ,.   XX/XX/XXXX , XX/XX/XXXX     XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX .  XXXX / XXXX   XX/XX/XXXX .  XXXX  set  XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX       XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX  only supposed to be one not 3 times.    XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX / mail  XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX only supposed to be  one not two times    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/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 2019-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
They didnt nothing about it they told me to call 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 2021-04-14
Company: Credit Card Receivables Fund Incorporated
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello! 

I have a listing from UNIFUND, LLC on my credit report. I have asked for verification of the debt via mail and fax multiple times since XX/XX/XXXX and even from earlier in XXXX with the help of a credit repair company. I have the receipts for the most recent attempt to attach. They have failed to respond to my requests and they continue to report on all of my credit reports. They have failed to provide any proof that I owe this debt - including a signature or written contract. 

The debt they are claiming that I owe is already listed on my credit report - so they are " double dipping. '' I'm looking for assistance with this company because they fail to respond to reasonable requests to verify that I actually owe a debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Equifax to let them know these accounts should not be showing open. They were closed in my bankruptcy years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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
Consumer complaint received 2018-11-08
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018 this Bank applied money that was in their suspense account to my principal and commenced a foreclosure proceeding against me. Why did you apply money to my principal when I still owe my monthly payment?

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 2017-09-13
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX These are not my debt I have had XXXX for the longest these no way I should have any medical bills in my name or credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A 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
Consumer complaint received 2021-03-09
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: Was not notified of investigation status or results

Complaint:
Someone please help! I have reached out to equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reviewed my personal credit report and noticed two accounts listed from Professional Debt. I have mailed two notices to the company requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. My first letter was sent via XXXX certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. I received no response so I sent a goodwill letter on XX/XX/XXXX received XX/XX/XXXX. I have yet to receive any communication.

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 2022-06-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A 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
Consumer complaint received 2022-06-14
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: 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. TransUnion 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 XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE im 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
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: WV
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:
Please forward my complete consumer disclosure showing what you deleted apparently at the request of XXXX XXXX as a result of the " XXXX XXXX '' account application that was submitted on my behalf without my knowledge or permission. 

Also, please forward your designated physical Experian address to send a 609 ( e ) Identity Theft Document request, if an address exists?

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 2020-12-23
Company: Experian Information Solutions Inc.
State: PA
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out that someone has had access to my personal information.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My compliant is that Experian charges money to remove a security credit freeze for either temporary or permanent. This is against the Fair Credit Reporting act. They control my information against my consent. They are in violation of FCRA by charging a fee to remove a security credit freeze. I elected to have a security credit freeze due to the enormous breach at XXXX ( XXXX/2017 ) which jeopardizes my credit for my entire lifetime! I initiated security credit freeze 's with all three credit bureaus. 

Please advise, thanks. 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 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Monday XX/XX/2022 I Noticed my personal account checking account was overdrawn by {$5600.00} by capital one as a payment to my credit card. I that same day had the required bill of {$180.00} taken out of my account as well. I called capital one and the guy told me that because the charge was pending that there was nothing he could do and i had to call my bank and have them handle it. I called Capital One again the next morning and got told that because the payment posted there was nothing they could do and told me i had to wait until XX/XX/2022 to get the payment of {$5600.00} stopped and to stop Capital one from over drafting my bank causing more unwanted fees. Capital One offered no assistance in helping me resolve my issue other than pawning it off on another business. Meanwhile this whole time when i call Capital One the Service message i get says nothing about the payment of {$5600.00} but it says a payment of {$180.00} posted. I felt as tho Capital One had taken no ownership in this problem and did not want to stop payment and just wanted their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EOS Holdings, Inc.
State: PA
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 have sent letters on four separate occasions including ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without any response in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi i disputed these items to XXXX equifax and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Their investigation did not fix an error on your report

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with Experian to correct information on my credit regarding a collections account. As of today, the only thing Experian has done is reduce the collection amount by about {$600.00} or so. 
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. 
According to my Experian credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. 
I have provided copies of my court document and all seven money order receipts as well as the Post Office receipts to show that I have been doing everything required of me based on the settlement. 
At this point I believe that Experian is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant Experian do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. 

As for the collectorXXXX XXXX XXXX XXXX XXXX XXXX they are a bunch of XXXX. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. 



Thanks

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