BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2021-12-30
Company: EQUIFAX, 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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Information belongs to someone else

Complaint:
In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. XXXX and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and XXXX again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both XXXX TransUnion & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By Source XXXX  XXXX Reported On XX/XX/XXXX Account Balance {$1700.00}

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 2021-12-30
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being harassed by Radius Global Solutions. I'm not sure who the original creditor is. I went through a rough patch and the debt on my credit report seems to have been sold to company after company. I had asked them to stop calling me when they first began calling. I had to block them. And still call after call comes up on my phone. They use different numbers. I have several screenshots of my call log for 3 of their phone numbers which do all come up Radius Global Solutions. 

I am getting physically ill over all of this. I have too many problems on my plate as it is. Especially with the never-ending covid hindering my finances, I'm barely making ends meet. 

*You should have 6 different screenshots attached containing the most recent call logs of 3 of their phone numbers. Thank you. 

**This is not the original debtor. I'm unsure who is. I must choose " I don't know '' on the next page as I can not move on without the original debtors name. I'm noticing on my credit report the debts are sometimes sold off more than once, and only list the most prior debt collector. That makes it confusing, it comes to the point where you don't know what the debt is, if it's really yours, etc.

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 2016-06-12
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Ditech had a mortgage with me that was charged off in XX/XX/2012, they have since applied a new account number to the same account and reported a balance on the closed account using the new account number. Because of the time lapse of 4 years on the account they have submitted a derogatory mark on my credit history resulting in a severe drop in my credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is an addition to previous complaint case # XXXX / omb # XXXX as I was unable to add additional information to that complaint as a result of Wells Fargo 's responses to me. 

I was advised at XXXX Tuesday XXXX/XXXX/16 by Wells Fargo rep XXXX XXXX that his managers refused to provide restitution for the purchases I made in anticipation of my vacation to fire island that was cancelled as a result of all the misinformation provided to me by multiple Wells Fargo reps while I was getting a loan modification. I would not have made the purchases if not for the XXXX XXXX trip that I had to cancel. I wanted to add to the complaint that I was told NO restitution is being provided. 
This is very upsetting that this company can tell me XXXX or XXXX different things as it pertains to my mortgage payment amounts and dates, take money from my account when not authorized AND not provide any restitution for or be accountable for their actions causing me and my family great losses. We lost out on a vacation ( TWICE AS A RESULT OF MISSINFORMATION ), which in my eyes, with XXXX children looking forward to is priceless, money spent for that vacation at least {$2200.00}, there was at least {$1000.00} more but that was spent in cash so unfortunately I can not provide receipts for that. Another {$700.00} or so in medical expenses and they say " sorry, cant help you with that '' I would like to insist that at the very least, they provide restitution on this matter with re payment to me in the amount of {$3000.00} 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 2016-01-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Overdraft fees were computer manipulated over the holiday week of XXXX and new years. All the money was in my account to cover all with drawals. Some transaction did not show for a week. With ease money was switched from my account to citizens bank. Simply Bank fraud and manipulation. I have been overseeing the manipulation for 40 plus years. I appreciate your agency help me return my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Genesis FS Card Services, Inc.
State: NC
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:
this is for genesis card services. company is just a scam. also i was a victim of fraud and id theft. i filed an ftc id theft report and a police report not too long ago. i would like for this company to remove my account and delete from credit bureaus. i dont want anyone accessing anything in my name or using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have my Primary home Mortgage with XXXXenfed Federal Credit Union and I have been on forbearance until XXXX and made 3 trial payments after that and my 3rd trial payment was done on XX/XX/2021. I'm told that it takes 30-45 days from the date 3rd payment was made to reissue the modification statement and to bring back the loan to current. In the mean time, I started working to refinance my loan with another lender. And my other lender said, he can not close the loan, until penfed provides the document that the loan is current. I constantly following up with Penfed and they are not giving me any estimate on how long it takes to provide the loan modification statement and they are not giving me any positive responses. And my interest rate lock expired 2 times and the rates are constantly rising and Penfed is not helping me out. It is almost 60 days since my 3rd payment made and still no response from them.

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 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed items on my report that were due to fraud and identity theft. The items were deleted and reinstated by a new collection agency months later after investigation concluded.

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 2015-04-16
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for the loan. When I asked them if the {$500.00} fee was a XXXX time fee they said yes it was a XXXX time fee. They asked for my credit card information so they could take out payments. they charged me {$500.00} for my XXXX payment on XXXX XXXX and recharged me {$500.00}. The person I spoke to never said that they were going to charge that monthly till the loan was paid off with their montly fees. If I would have known that I would not have taken the loan. for them to take out payments was XXXX think to take back {$1500.00} which would have been the {$1000.00} loan and the {$500.00} finance fee, but they are chargeing {$500.00}. I found that part out after I called them back after the first tofindo out why the loan had not gone down any and why there was another {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens bank charged me overdraft fees on an account that never went below {$180.00} then only refunded me one of the charges. There explanation is that there is a time period between when funds on hold are removed from being " funds on hold '' and when they are posted to the ledger which the man I spoke to went on to explain means that there is a time period where a consumer using the available balance they provide online would be operating on information that Citizens bank knows is not accurate but is disclosing anyways. This is clearly an unfair and deceptive practice as the bank is providing a misleading account balance that consumers reasonably will believe is accurate when making decisions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

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 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and thank you for taking the time to review concerns. Extending gratitude to capital one for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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: Old information reappears or never goes away

Complaint:
I have hired lexington law to dispute inaccurate information, however Transunion, XXXX and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.

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 2016-09-28
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Williams & Fudge ( Account # XXXX Pin # XXXX / # XXXX XXXX XXXX ) - mailed me a letter trying to collect on a previously disputed very old and unknown fraudulent debt. I mailed them a letter XXXX via certified mail advising that I am a victim of identity theft, the unknown debt they are trying to collect is a time barred debt in which has expired the Florida statue. In addition, I sent them a copy of the police report with a memo telling them to cease contact. Lastly on XXXX a relative called me telling me that this company contacted her very late questioning and not disclosing further information regarding who was calling. I need Williams & Fudge to cease and stop collecting on this fraudulent and unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2021 I contacted Experian, XXXX, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to Experian, XXXX, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate 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 2015-04-30
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years.

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 2021-12-30
Company: California Accounts Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was told about the debt over the phone by a nice woman, who explained my debt, and gave me the time frame to pay. Stated it was going to be non-delinquent until after XX/XX/22. Tried to make a payment on XX/XX/22 and the only available payment option for me is disabled until XX/XX/22...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: SC
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 have unauthorized inquiries on my credit report I called the credit bureau but they refused to remove even after I informed was fraud. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Commonwealth Financial Systems, 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 received an alert regarding a collection on my credit report. I contacted the collection agency and informed them that the collection they placed on my credit report does not belong to me. The so-called person is a male who happened to share the same birth date as I. The name of the collection agency is Common Wealth Financial which placed a collection on my credit for {$1.00}, XXXX ; Account : XXXX ; Service date XX/XX/2017 for a XXXX XXXX XXXX. My name is not XXXX XXXX XXXX ; it is XXXX XXXX XXXX and I am a female not a male. How could these people do that to my credit? Just because someone shares a birthdate, that does not mean it's the person you're looking for. I called them and informed them of their mistakes and they are suppose to contact the credit bureaus to remove this damaging collection on my credit profile ; but I am not sure if they have done that. This is incredible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: CO
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 recently sent a dispute letter to Experian on XX/XX/21 in regards to a previous car loan. I pulled my credit reports and noticed that Experian was reporting the account still opened, although it has been paid off and closed, and a new auto loan has been opened in place of it. Experian also does not provide the date of last activity ( the account was paid off on XX/XX/21 ). This shows me that the account has not been properly verified, and Experian has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately. 

As a consumer, it's frustrating that after sending multiple letters requesting that the information be deleted because it is indeed inaccurate and Experian fails to properly verify the information, Experian continues to report incorrect/inaccurate information. As a consumer, i expect my information to be the same across the board for all credit reporting agencies, but it seems that Experian is not following in alignment with other agencies and instead focusing on the benefits for themselves.

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 2020-06-10
Company: EQUIFAX, INC.
State: TN
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:
EQUIFAX AND XXXX  HAS YET TO REMOVE ACCOUNTS THAT DOES NOT BELONG TO ME OR MAILOUT ANY PAPERWORK SHOWING THAT A DISPUTE HAS BEEN DONE

Company response to consumer: Closed with explanation