BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened this account in 2017. I have only been late with payment once in all that time ; I had payments set up to be automatically withdrawn from my checking account. On XX/XX/XXXX {$270.00} was withdrawn from my checking account. XXXX has posted the payment but is not allowing me to use the available line of credit stating, " We are waiting 10 business days to be certain the payment clears. '' They state this is a " random '' audit. Now I can't use the card to pay bills automatically. The minimum amount due was {$35.00}. I have since changed automatic withdrawal and removed my banking information from the account as this is an unfair practice. I can't pay the bills I intended to use the card for and the money is no longer in my bank account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Equitable Acceptance Corp
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Student Advocates as well as equitable acceptance took money and did not pay on student loans. Stated that monthly payments were service fees. I spoke to federal student loan advisors and they stated that companies like this take money and never pay. I am now dealing directly with XXXX. and paying student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
At this point my FCRA rights have already been violated. I take my credit extremely seriously. Upon viewing my credit reports I noticed LVNV FUNDING LLC had a discrepancy in the " past due '', " payment history '', " date of last activity '', date of last payment '', " date opened '', " monthly terms '', " account type '', section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX XXXX however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " nothing '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. There is also " payment history '' showing for XXXX and XXXX  which is a violation if this account is supposedly a collection/charge off. XXXX  and XXXX  are also showing a " past due '' amount of {$820.00} which is also a violation since this account is again supposedly a collection/charge off. XXXX  and XXXX are also showing the " account type '' as open account. This account has been reported to collections to my understanding which means it cant reflect as an open account. This is again a violation! I also noticed XXXX  listed " monthly terms '' on my report of 1 month. To my understanding I have no secured loan or anything of the sort with this company so im not sure what " monthly terms '' they're referring to. If this is the same account, reported by the same creditor how are these numbers and dates different?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I contacted equifax to put an alert on my credit about 4 weeks ago which is good for 90 days. I logged into XXXX and found my address was updated to an address I have never lived at in state I have never resided in. I would like to know what I can do to get the XXXX or XXXX fradulant accounts removed from my credit and what to do about finding the person who did this. I do have their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have spoken to several people at Equifax who have instructed me to send a police Report to have unauthorized Hard Inquires removed from my credit report. I have faxed over the documents multiple times and they still have not removed the unauthorized inquires. They have taken up hours of my time placed me on hold for 1 hour and 60 minutes or longer giving me the run around.. I spoke with XXXX NUMBER XXXX who told me my official Police Report was not acceptable yet it is an Actual approved Police Report. I spoke with XXXX - XXXX At Equifax who stated the same thing. XXXX - XXXX spoke to XXXX who then tells me she ca n't tell me who her supervisor is. At this point it has been 2 hours of me being on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I never had a loan with XXXX XXXX I do n't no who this account belong to. I have ask XXXX XXXX to validate this account many times and I also informed Equifax that XXXX XXXX has fail to validate under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I wasn't able to work due to the pandemic and when the benefit payments stopped I couldn't continue to make payments on the car loan and the Loan Company came to repossess my car. Now I don't have the car to work even when I get work and I am liable to still pay for the car. It's just not faceable and I believe this financial company have been unreasonable putting me in a very difficult situation.

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 2021-01-18
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: Public record information inaccurate

Complaint:
This letter serves as an official 5th complaint for XXXX and Transunion for incorrectly reporting false public information on my credit reports with each provider. XXXX has already removed the incorrect Bankruptcy filings from my report about year ago. All 3 credit reports should have identical, correct information. This incorrect information is hendering me from obtaining necessary funding for my family and I need to survive during this XXXX Virus Pandemic. I am requesting the assistance of CFPB once again to help me get his issue resolved.

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 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to TransUnion Credit Bureau , Inc. three times. And I received investigation results letter by mail and TransUnion Credit Bureau , Inc. was refused to deleted inaccurate off my credit report.

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 2016-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX XXXX # XXXX XX/XX/XXXX -- / -- XX/XX/XXXX {$7800.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XX/XX/XXXX Trans Union To Whom it May Concern : After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Below are the errors I have identified : XXXX XXXX Verifying this account I think there may be something incorrect such as the date open, late payments, payment status and account type if so repair ASAP. XXXX XXXX Please take your time to see this account I believe there may be an error on the account number, account type and the comment verify this information correct this if there are errors ASAP. XXXX XXXX See this account there may be something incorrect such as the past due, comment, payment status and payment history verify if its correct or delete this from my report. XXXX XXXX Looking at this account I believe there could be something incorrect such as the high balance, date open, and the account status see if this is correct or delete ASAP. XXXX XXXX Look at the late payments, comment and payment status I believe there may be something incorrect corroborate this and repair or delete ASAP. Incorrect Name XXXX Can you verify this name I think there may be an error repair and put my full name XXXX XXXX Take a look at this account I think there may be something wrong such as the account type, account number and the date open verify this information correct or delete from this account. 
Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. 
Regards, XXXX XXXX, CA XXXX XX/XX/XXXX XXXX CC : FTC, XXXX, Office of Attorney General

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 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 already disputed this with XXXX and they have removed the collections account from my XXXX  account. Please see attached and remove this from my Transunion account.

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 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TransUnion File # XXXX Request to remove inquiries XXXX XXXX & XXXX to match the information on my XXXX credit-report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
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: Information belongs to someone else

Complaint:
I have contacted equifax, XXXX  and XXXX to certify and verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. The following below is listed on my credit report and should be removed. If not removed I will file lawsuit XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014 created a " NEW LOAN '' to STEAL my homestead without my knowledge or consent. I HAVE NOT executed any loan documents on XX/XX/2014 with Nationstar Mortgage. Nationstar Mortgage created a new loan {$160000.00} committing mortgage fraud. I HAVE NOT MADE ONE SINGLE PAYMENT ON THIS ALLEGED DEBT AND I WILL NOT MAKE A PAYMENT ON THIS FRAUDULENT MORTGAGE CREATED BY NATIONSTAR MORTGAGE. NATIONSTAR MORTGAGE IS CREATING MAIL FRAUD, MORTGAGE FRAUD, SERVICING FRAUD, AND VIOLATING THE FEDERAL AND TEXAS DEBT COLLECTION PRACTICES ACT. As you are aware, Nationstar Mortgage is notorious for this type of fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All the credit agencies reported a disputed phone bill with XXXX XXXX XXXX as current even though it was from 1998. This caused my credit score to fall from XXXX to XXXX and prevented me from leasing a car at a price I could afford. The collection agency for XXXX XXXX XXXX called XXXX did this to force me to pay this old bill that was a billing error. They should not be allowed to falsify information and the credit reporting agencies should be responsible for making sure information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
TransUnion is falsely advertising that they will sell you your XXXX-bureau credit report and score for {$9.00}. Once you sign up, pay the {$9.00}, and log in, you are required to pay another {$29.00} for the services advertised. I have attached a picture. Both my husband and I fell victim to this fraudulent advertising, but we caught it right away and were able to cancel. The customer service agent who took our call said that it was " never advertised '' that this service was included in the {$9.00} initial price and that it was a separate service entirely. As you can see from the attached documentation this is clearly a lie - the advertising on both the splash page and the sigh-up page claim the reports & scores are included in the {$9.00} initial cost and there is no mention anywhere of the " seperate service '' or " additional cost ''. I would like to report them so no one else falls victim to this deceptive advertising. It 's such a shame that this should come from one of the main credit bureaus that people are inclined to trust!

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 2021-01-18
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: Information belongs to someone else

Complaint:
The credit bureau is reporting a fraudulent account on my report. The account reporting was fraudulently established by my ex-wife without my consent. The name on the account reporting is XXXX XXXX  ( XXXX XXXX ) for {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In reviewing my credit reports from the XXXX major credit agencies, I see a creditor reporting an account that violates the HIPAA Law. I requested a total deletion under the FCRA. According to the Federal Credit Reporting Act, their duty as a creditor is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or myself as the consumer. I would like to thank you in advance for upholding the law as dictated by the FCRA and removing this account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX I have disputed this medical account with the reporting collection agency and they provided me with medical summary charges in which they violated HIPPA law. If needed I have proof to provide.

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 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was convicted of XXXX in XXXX in XXXX XXXXXXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX Court did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 THINK SOMEONE HAVE MY SSN AND I HAVE 39 HARD INQUIRYS ON MY CREDIT REPORT FROM XXXX, XXXX, TRANSUNION PLEASE 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 explanation
Consumer complaint received 2021-01-18
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 submitted a complaint recently, complaint # XXXX-XXXX, but inadvertently forgot to upload the proper documentation. Please see the attached. This complaint is to be reviewed with complaint # XXXX-XXXX

Company response to consumer: Closed with explanation