BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
For the past several months I have tried to have XXXX accounts XXXX are from the same company removed from my credit with Transunion. Originally they removed the accounts then they RE- INSERTED them back to my credit and now they have totally ignored my dispute to request the improperly placed accounts be removed. I have also tried to call XXXX but according to them .... they can not help me because i do n't have the full accounts numbers ( i can only provide what is on my Transunion Credit Report ) social security number does not match an account that they have. They advised me to launch a dispute with Transunion

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 2022-05-05
Company: EQUIFAX, INC.
State: LA
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:
The last letters I sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them. Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed certain information on my credit report with Equifax - apparently filing these disputes with people who are in customer services positions overseas ... Either they could not understand what I was saying or they were not listening. At any rate after a month of working with Equifax I had a bigger mess on my record than prior. Shortly after that I had a horrible accident and have been ill since that date only now am I able to redirect my attention to address theses issues : The following were all listed on my Chapter XXXX Bankruptcy ( filed XXXX ) - were discharged as debts and should not show on my credit report. Court says I no longer owe these bills - therefore they do not exist - all were listed on the bankruptcy. 
1st issue - XXXX XXXX XXXX for XXXX XXXX assigned XXXX for {$36.00} - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report.Should be deleted. 
2nd issue - XXXX - ( XXXX ) assigned on XXXX - removed this information when they received the dismissal by the Bankruptcy Court - in speaking with the person overseas whom I could not understand I was asking if this had been removed and they said it was no longer listed on my report. Without my asking and without my knowledge this person disputed this bill thereby requiring a respoce from XXXX XXXX - thus what had been dropped from my credit report now shows again - thanks to the incompetency of the Equifax employee. 
3rd Issue - Merchants XXXX of XXXX - date assigned XXXX ( incurred XXXX - XXXX XXXX ) - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted. 
4th issue - Judgement dated filed XXXX - XXXX XXXX - case # XXXX - listed on the bankruptcy - discharged - court said I no longer owe this bill - still shows on my credit report. Should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: ALLY FINANCIAL INC.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015 I was in an accident where my car was totaled by the other party. The insurance company as well as I have been requesting documents from Ally Financial to send so they are paid. I have called every other day since finding out that car was totaled and what was needed for the insurance company to issue payment. Ally has sent the documents twice with the wrong information which is baffling to me because I was on the phone when the Ally rep repeated the correct amount to the insurance agent. I, along with an insurance representative spoke to a representative for Ally on Tuesday, XXXX XXXX, 2015 and we were told that it could be another week before they receive the proper documents. This alone poses another problem because interest is accruing during this process and my Gap insurance ca n't payout until the insurance company pays and the insurance company ca n't pay until they receive the proper documents from Ally. This has been frustrating and very time consuming with the numerous calls that have been made and the wait times to speak with someone. In addition to the documents being delayed an insurance rep and myself spoke with an Ally representative on XXXX XXXX, 2015 who knowingly lied about faxing documents and saying they would be received within an hour. The Ally rep was caught in the lie when the insurance rep asked her to verify the information and she could n't. This has made me believe that Ally is n't interested in closing out this account and surely not in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me and correct XXXX account that is reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to the 3Credit Bureaus last XX/XX/2022 but upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. But until now I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. XXXX are negligent and non compliant.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to the 3Credit Bureaus last XX/XX/2022 but upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. But until now I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received an email which launched a series of events resulting in my being defrauded of {$9700.00}. A scammer communicated with me via email, cell phone and text messaging. He created a confusion and convinced me I had made a mathematical error resulting in money being deposited into my account. He then created an urgency which then made him the victim of my error and that I needed to help him so as not to compromise his job. I was provided a foreign bank account in XXXX and a script to convince a bank employee to wire money internationally. The scammer was able to take control of my computer screen and establish a false sense of credibility. I went to PNC Bank and recited the script. As a senior citizen living in a resort town as a full time resident I am a familiar customer at the bank branch. An employee equipped with the proper training would have seen the warning signs that a fraud/scam was evident. A trained bank employee would have seen my banking history never showed an international wire of funds. A trained bank employee would have been equipped with a series of questions that would have included asking me if someone took control of my computer screen. A trained bank employee would have asked me if I was provided a script to follow once arriving at the bank. A trained bank employee would have questioned me as to why I was sending {$9700.00} to a bank in XXXX. A trained bank employee would have provided me with a fully executed copy with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am approaching a debt collection company to make them aware that I have fallen on very difficult times. I would like to see if I can avoid filing for bankruptcy, but that decision is quickly approaching. Therefore, I am requesting a very low offer in compromise to the attached collection letter as quickly as possible. I could borrow {$2000.00} from a family member to settle this account in full, but that is as high as I can go at this time. I have over {$120000.00} in unsecured debts, and my financial position is in bad shape at this time. This company can reply through the Consumer Financial Protection Bureau portal.

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 2022-05-05
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2017-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A request for an investigation was sent XXXX/XXXX/16 to Experian and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.

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 2022-05-05
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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted bank that finance aspire credit card and asked them to stop sending me prescreen offers and the bank forteva said there is nothing they can do and I called aspire credit card and it's just a machine there nobody to talk to it ask for my social and I don't want to give it out cause someone has my information it was a trained without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: AES/PHEAA
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 sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account Fed load Services removed from my credit report. XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX and XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party.

I did not give written permission to have the accounts added to my credit report.

I have also attached a recent copy of my FICO report to support and show inaccuracies.

This clearly violates my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-04-07
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from XXXX XXXX XXXX who purchased my loan. The letter states that I have not paid my mortgage payments as promised and delinquent in the amount of {$12000.00} I have never missed a mortgage payment in the amount of {$1100.00} that I've had since 2007. 

I believe this is an attempt to have my property taxes escrowed that I have opted out of by email and phone calls. 

I have sent this new mortgage company an email response, however, they refuse to respond. 

My mortgage payments are paid through my financial institution and I have proof of each mortgage payment of {$1100.00} In my time as a homeowner, never had any issues with a mortgage company, and never missed a payment. 

I have paid my property taxes through my financial institution and have documentation proving such. It's my belief that this new mortgage company is attempting to force me in to escrow by alleging that I missed payments and threatening to foreclose! 

Thank you and I look forward to hearing from you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a voicemail stating I was being implicated in a legal matter and I needed to call their mediators and submit a statement and agree to a settlement to avoid further legal action

Company response to consumer: Closed with explanation