BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.

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 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I saw it have XXXX different issues in collections. I have no idea as to what they are from. A few months ago I had received calls from a pool supply store. I told them that I did not order anything, and did not receive any sort of billing statements. I told them who the individual was who took Mt card information and have n't heard from them since. I have tried to contact the collection company and the phone # is no longer in service.

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 2021-12-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
USAA approved my refinance loan XX/XX/2021 in my old name even though I had sent them the document which shows my name change, the agent at USAA said they have to redo my loan application XX/XX/2021 and after they did my loan was denied. I have been a loyal customer, I have a good credit score and paid all my bills on time and my loan was denied because of an error on USAA part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my report and this account is on it which I have no knowledge of.

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 2019-02-28
Company: Riverwalk Financial Corporation
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:
sent over ftc violations took off and put back on with notifying me the against my rights and a violations of the law .. Law saids they have 10 days to let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX  retail credit card company failed to communicate due dates and statements in mail. I reached out to them and learnt They had no mailing address or email per conversation with their support rep. And reported me to experian as 30day unpaid dues causing damage to my report. I tried to work with them but they never fixed it. Experian also failed to fix it and never looked into my request seriously. I strongly discourage everyone to avoid retail credit cards no matter how much discount they offer.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX XXXX XXXX CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$3.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$1.00} XXXX  XXXX Balance : {$20.00} XXXX  XXXX Balance : {$20.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$14.00} XXXX XXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXXl XXXX Balance : {$8.00XXXX XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX  XXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXX Balance : {$15.00} XXXX  XXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$7.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$13.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00}

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 non-monetary relief
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX XXXX XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2022-11-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
i XXXX XXXX, natural person am submitting this complain on my behalf, no one is helping me, i am going about this on my own, i have attached a copy of my id, & my dispute letters in pdf form I would like to also remind you ; you are in violation of 15 u.s. code 1681N

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 2020-06-13
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello we have problems with this company before to the point I got Georgia governors office of consumer affairs involved we had insurance in these periods they never send notification and we only find out after we check our credit this is a practice they do my wife filed a complaint about the same reason they have me on 4 different things on putting in the system as opened on same day 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: CT
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} XXXXl XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX  XXXX Balance : {$1.00} XXXX XXXX Balance : {$20.00} XXXX  XXXX Balance : {$20.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$14.00} XXXX XXXXXXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX  XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$15.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$13.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has placed a collection on my credit despite the fact that their parent company was paid by me. Equifax has this reporting as account # Account # XXXX, however my Account # XXXX was the number listed on XXXX bill. The patient # XXXX. I sent them a check on XX/XX/2016, it was received and withdrawn from my account on XX/XX/2016. They have not removed this from my Equifax profile. I have attached a copy of the cleared check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: CT
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good day, I noticed back in XXXX  timeframe that my equifax fico score went down XXXX pts. It was odd because I had not applied for anything to my knowledge. I have been paying my bills on time and trying to rebuild my profile. I monitor my Fico scores on several platforms and thankfully I do. 

I called Equifax on 2 occassions, 1 was to document my issue and ask for my score to be restored. While I was on the phone with Equifax personnel my reports from XXXX till XXXX was deleted. They downloaded my new XXXX report to check and see if they deleted the evidence i guess. I say that because I did not request an update to my report. 

When I called the 2nd time, it was to let them know that I noticed the deletions but I still have the reports. I aslo told them how disrespectful I thought that was. I am asking for my points to be restored to my profile immediately. 

phone number called XXXX First call ; XX/XX/XXXX XXXX XXXX lasted 9 min 11 secs Second call ; XX/XX/XXXX XXXXXXXX XXXX  lasted 7 mins 37 secs I also monitor my reports via XXXX so I still have evidence. 

This is unacceptable business practice and such aggregious actions should not be taken lightly. I have been depressed about my profile since my discovery. I have been working diligently to improve my Equifax profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX illegally and without any authority from the Trustee transferred our loan to Shellpoint Mortgage Servicing, I filed an appeal with Shellpoint regarding the our eligibility for a MHA HAMP Tier 1 modification and requested thorough documentation of the process, including an NPV. To date Shellpoint has not responded to our appeal, dated XXXX XXXX, 2015 ; and is having their vendors call and harass us, stating they are giving us " verbally '' notification of foreclosure. These vendors are in XXXX or XXXX. This is also illegal and this office need to contact XXXX, a MHA participant for not complying with the rules and guidelines in which cfpb is to enforce compliance. Furthermore, I have disputed the manner with cfpb, and to date no assistance what so ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The FCRA clearly states that a consumer reporting agency must delete information from a consumer 's file after 30 days of an investigation. It has been more than 30 days and TRANSUNION has not provided me with a response to my complaint # XXXX. Also this account was not marked as disputed per 15 USC 1681b therefore should be deleted immediately. XXXX XXXXXXXX XXXX  XXXX XXXX account # - 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 2022-07-21
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I havent applied to open any accounts with Truist Bank. My personal information was stolen. There 7 accounts open using 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 2015-05-23
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: RGS Financial, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls received everyday from : XXXX. 

I do n't know why RGS Financial keeps calling me. Calls XXXX times a day from XXXX XXXX to XXXX. Never left a voicemail or stated intention. I have not debt in collection after checking with XXXX major credit agencies. 

Several times when I pick up, there is only silence on the other end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is with reference to XXXX XXXX & XXXX. My wife and I bought a XXXX XXXX from the XXXX. We took delivery following the accident that we were in back in XXXX when we were hit by XXXX XXXX in the XXXX XXXX XXXX accident. Per the Maine XXXX XXXX, Source XXXX and all Credit agencies to remove ALL negative credit reporting pursuant to XXXX XXXX malfeasance. To date, this has not been done. The Credit bureaus were under the direction of the Maine XXXX to remove information and did not. They can not claim that they did not know or were unaware of the expectations that were placed on them. I want the, Credit Bureau to remove all reporting from both my wifes report as well as my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent in a request for verification on the account : XXXX  On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on Experian, XXXX, and XXXX. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this 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 2017-09-16
Company: Eastern Account Systems of Connecticut, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Eastern Account System contacted me stating I had a bill with them in collection. I 'd never heard of them. They did not tell me who they were collecting for ( I have since found out ). I wrote to them, informing them I disputed ANY bill with them. I never heard from them again. About 2 months later, I received an email from a credit-monitoring service, stating I had 2 accounts in collection. They are refusing to remove these from my credit report, even though they clearly violated the FCRA/FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation