BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XX/XX/XXXX, I received a XXXX, Cancellation of Debt form from The XXXX XXXX XXXX. That year I paid taxes on the " cancelled '' {$21000.00} debt as required by the IRS. Today I discovered that, although " cancelled '', the debt remains on my credit report for 7-10 years. WOW! ok so I 've paid taxes on this debt as income and I 'm still held responsible for the debt - something that no one at the Bank ever mentioned. So what were those taxes for? I did n't get income and I still owe the money. When I received notice of the XXXX I was relieved, but called to make sure that it was real. The Bank XXXX XXXX XXXX XXXX XXXX told me that they had decided to get the debt off their books and stop spending money trying to collect it. I 'm female and XXXX XXXX XXXX, XXXX and I do n't make enough to pay my bills. I have n't had a full time job since XX/XX/XXXX ( not for lack of trying ). I 'm not proud of having that amount of debt and have not debted in many years ( the debt was from several years before XX/XX/XXXX ). I just thought that Cancellation of Debt was cancellation of debt. Its a shock that it 's not that at all. Can you help? Thank you.

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 2022-08-30
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:
I am entitled to a completely 100 % accurate credit report and all three credit bureaus have my address and name incorrect. I have been living at my XXXX, TX address for over 5 years yet a XXXX, TX address is showing up on my credit report and even has an account to it. Also I am a XXXX as I do have the same name as my dad yet my suffix is not added and there are multiple names on my credit report that I do not use as I always include my suffix therefore making most if not all the negative accounts and collections on my credit profile incorrect as they are under the wrong name. All three credit bureaus have multiple versions of my name that are incorrect as I am a XXXX and any name listed that does not contain my suffix eludes that it belongs to anyone else that is not me. And there are multiple accounts that do not contain the correct name therefore my credit report is not 100 % accurate as I am entitled to according to FCRA

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 2022-08-30
Company: MRS BPO, LLC
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:
The collections account they are showing never belonged to me nor did I ever live at that address for service. All this information is invalid and incorrect. Also I will include a screenshot of my active XXXX account. If I owed money I wouldnt be able to have service. Company name is MRS BPO who is charging that collection please take a look at my address and see what address that collection agency is reporting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX had always charged me XXXX per month then all of the sudden i was charged XXXX. I called my credit card company to dispute the difference of {$23.00} to bring my bill back to XXXX. The credit card company credited me back {$23.00} and they never contacted XXXX as the {$23.00} amount was too low for the bank to pursue XXXX to give them that money back. XXXX was made aware of this and they told me i was lying. I then called my credit card company and told them what was going on, so we decided to call XXXX together. XXXX again said i was lying and then they were made aware the bank was on the other line recording the phone call. The bank told XXXX that indeed i had disputed {$23.00} but that they should n't try to come after me because the bank wrote off the {$23.00}. Nonetheless XXXX repedetely threatened me to send me to collections and today i received a collection bill in the amount of {$80.00} after repeditely disputing the debt with XXXX. So basically, XXXX charged my card {$62.00} and i disputed {$23.00}, the bank then wrote off the {$23.00} and somehow XXXX found out and tried to come after me for the full {$62.00} and today i got a collections bill for {$80.00}. I have copies of the credit card statement and my bank has a recorded phone call and yet XXXX continues to try to collect something they are not entitled to and now this collection is on my credit. I filed complains with the BBB and they told the BBB to XXXX. I wan na sue XXXX for fraud and cohersion! furthermore, the original charge was {$62.00} and now they sent me to collections for {$69.00} AND a collection fee of {$11.00}! what is wrong with these crimminals?!

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 2021-05-31
Company: SYNCHRONY FINANCIAL
State: OR
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:
Identity thief has been impersonating me to XXXX  for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.

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 2018-12-13
Company: Credit Plus Inc
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A Credit Agency known as ( CREDIT PLUS ) called me on XX/XX/2018 and acted as if they were a Federal Bank using what I call a scam telling me I have money in my escrow I can have paid back to me when in reality without telling me they were trying to get me to change my mortgage, consolidate, and were very aggressive over the phone refusing to listen to me. I did not want any part of it, yet the individual on the phone was very rude and after hanging up he called me back started to call me names. 

Since, I have had at least two credit checks by this company without approving them to look at my credit score or wanting to borrow money from them. They tried to get my credit card number and other personnel information. 

The following is the information I have on them : CREDIT PLUS Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX State MD Zip XXXX They claimed to be working with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NJ
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 # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX has violated my rights. 

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

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 2019-11-27
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account number : XXXX*XXXX.1 XXXX XXXX DOB XX/XX/XXXX XXXX XXXX I had an XXXX done at your XXXX NJ facility on XX/XX/XXXX. I entered into a payment arrangement with your facility when I received my first bill. I have been paying the agreed upon amount every month since XX/XX/XXXX. I found out today that my account was sent to collections. When I called, I was told that it went to collections because of a " bad " address. I moved to a new home sometime after the procedure was done and after the payment arrangement was made. There is no reason I should be put into collections because I moved. I was told by your people that it is out of our control. Dues to your actions my credit score dropped 82 points. This is unacceptable and needs to be rectified with the credit agencies immediately. 

XXXX XXXX Cc : Federal Trade Commision Quaility Asset Recovery I have called QAR and XXXX XXXX numerous times and do not even get a call back from 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 explanation
Consumer complaint received 2017-08-17
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 I discovered Bridgecrest Credit Company , LLC had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to the FCRA. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}

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 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Once again I reached out to Capital One and they will not lower my monthly payments so I can continue paying them at a amount I can afford right now. I offered to pay {$65.00} a month on my 2 cards so that is {$130.00} total. They tell me they have no hardship program for me. So I am trying to keep paying them but they will not work with me. I am 3 months late on one account and 2 days on the other one. I have been calling the agent that was supposed to be working with me for 3 days and leaving messages with no call back. So today I ask for a new agent and she said there is no program for me. I have had a great payment record with Capital One all the way till this point. I am trying to do right and not run from my debts but they dont want to help. At least they would be getting something rather than nothing! Please Capital One help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
This is a complaint regarding a previous complaint again this company and situation. Against my better judgement I went ahead and paid the SECOND settlement amount given by Kohls to get them out of my life all together. Per previous communication with " XXXX '' in Kohl 's Executive offices after that payment was made they were to force update my credit reports to reflect the account closed, settled, and at a XXXX  balance. Against my better judgement since I already settled the amount over a year ago, I paid the second settlement amount on XXXX and was told then that the force update would be done. On XX/XX/XXXX I received a call from a " XXXX '' in Kohl 's Executive offices stating that the force update was set over on XX/XX/XXXX. This update should have taken no later than 72 hours to reflect on my reports. As of today nothing has been done. I have also called BOTH " XXXX '' and " XXXX '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with NO RETURN CALL OR RESPONSE in reference to this situation. Kohl 's has once again failed to comply to their part of the agreement. This is a breach in our agreement when this second payment was made. They breached their first agreement on settlement over a year ago and now breaching this agreement on the second settlement. This is poor business practice and unprofessional. They have lied continuous and failing to comply to their part of their agreement and not responding to any communication. They can not get away from continuous lying, deceiving, poor communication and treating consumers this way when I have not once but twice attempted to resolve this issue within the last couple years and all they have done is breached their part of the agreements with my payments made. The company needs to be investigated for their business practices and treatment of consumers. As a consumer I am held accountable for breaching an agreement and so should a company when their breach their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/XXXX - Sent letters to XXXX, Equifax, and XXXX  disputing an inaccurate chapter XXXX bankruptcy reporting to my personal credit report. 

XX/XX/XXXX - XXXX, Equifax, and XXXX   responded stating the chapter XXXX bankruptcy inaccurately reporting to my credit report was verified XX/XX/XXXX - I requested method of verification from XXXX, Equifax, and XXXX. 

XX/XX/XXXX - XXXX  has deleted the inaccurate chapter XXXX bankruptcy, XXXX  has the dispute currently under review, and Equifax has not responded to my method of verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
we purchased a loan on XX/XX/2013 we were told by the loan officer from chase that are mip mortgage insurance premiums we tried to pay upfront before we signed the contract and they tell us would be off after 5 years and that our mortgage would be {$300.00} dollars less and the loan officer told us that don't worry that everything would be handled you will see the mortgage insurance disappear., but know we were bought out by another lender XXXX we ask the customer service rep about why the mortgage insurance premium didn't disappear, they looked at the original loan agreement and told us it was 30 years for the mortgage insurance, my wife and I are truly upset because we were taking advantage of cause we feel like we were lied to from the loan representative from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Account status incorrect

Complaint:
I have sent in a number of disputes to you guys for these particular accounts that are inaccurate first disputes were sent XX/XX/2022 and 6 more disputes after that my last one was sent XX/XX/2022. This account is still showing up and none of them show that I have disputed them on any of the bureaus as if I am being ignored so I have done research to go above the bureaus to here and tell my issues to receive some results finally. I haven't got any response. The XXXX XXXX  account is showing up incorrect and was not fixed the policy I thoughts was to have a 100 % accurate on all three bureaus saying inaccurate payment history and status and account number are reporting different this need to be corrected. As well as XXXX is show in a negative way and has been paid a agreed to be removed from creditor and has not been reported correctly either. Also XXXX is reporting multiple times. This account is showing up with a incorrect date of activity and open date and status as well. I have wrote letters about this numerous of times.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, recently I was alerted by a late payment being reported on my Transunion report ( XXXX MICHIGAN XXXX  ) opened XXXX XXXX with no proper form of communication on the lender 's end ( XXXX XXXX ). I have been in communication with the company and my school only to provide me with inaccurate information on my graduation date and no information on the late payments being reported. I put in a ticket to be reached out to by a supervisor never received a call back. All my student loans were in deferment due to me losing my job this loan reported to my credit report with out providing me with any deferment options or any payment deadlines. I am reaching out to have these late payment reports removed immediately.

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 2017-08-17
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was a XXXX hired to do the signing for a Discover Home Equity loan on X/X/17 in XXXX, CA. I agreed to do the loan signing for {$90.00}. I have received 2 checks for the payment from the third party, Mortgage Docs Inc in XXXX, CA for payment, both of which have bounced. The loan was closed and funded due to my services. I have contacted the loan officer at Discover multiple times as well as spoken to supervisors, all who have promised to contact me regarding my payment, however no one has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-11
Company: EQUIFAX, INC.
State: MA
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with explanation