BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: Mark A. Kirkorsky, PC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This person MARK A KIRKKORSKY PC Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX has repeatedly hard inquired my credit report without my authorization. Has continuously sent me threatening letters and has continually harassed me about a debt that was n't even mine. I have never given this person permission to pull my credit report nor have I ever given him my social security number. He can not show any signed account agreement to me of any type whatsoever and I have told him repeatedly that I do not owe this money to him or anyone else. And i wish to file a complaint on the grounds that he is using illegal tactics to collect a debt from me which I do not owe. I never opened any account with this fleet response company or united rentals. He has not given me any documentation showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, Transunion or XXXX credit bureaus can provide an explanation of the factors that influenced such a significant change.

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to inform you that you are continuing report in inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action.

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 2016-05-24
Company: Coastline Financial Resources, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a voicemail from a lady in reference to a legal matter for someone that is not me. She left a voicemail about a process server and a number to the client she was calling for stating they were trying to serve this person whom does not and has never resided with me. I called the client Coastline and Associates known as C & A number and spoke with someone and he became very irate when I asked him to remove my number from their call list stating they were trying to reach this person and it was not me. I explained I am not that person and he continued to ask if I knew her and I told him it did n't matter if I did or did n't and not to call my home. They skip traced and located my number as someone who is somehow connected to this individual. According to FDCPA they are not to contact others but once about trying to locate an individual. When I asked them to not call my home or contact me he became irate stating they should not have given my number out. I know they had no way of giving my number because they do not have my number. My number is a new number. This man harassed me and badgered me even cursed me so I cursed back. I do not appreciate being called about anyone debt and would like this company to cease all calls to me in relation to anyone I may or may not know or be related to. I researched and found they are scamming on old accounts that are all over 12 years old. It is in most cases it is past the statue of limitations to contact someone about a bill that has fallen off their credit for over 7 years or that was discharged in a bankruptcy case. If I continue to receive calls I will file a lawsuit against them. I will also contact the attorney general office on this company. I am not the person they are looking for therefore I should not be harassed or called. And frankly if they are contacting a person for a debt well over the statue of limitations they should cease and desist all contact with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXXXXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}

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 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OPENED AN ACCOUNT OF THE XXXX CONSUMER COMPANY FRAUDULENTLY ALREADY DISPUTED THIS MULTIPLE TIMES ACCOUNT WITH THE CREDIT AGENCIES AND TO A NOT REMOVED THIS ACCOUNT .. I REQUESTED THIS REPORT TO PROCEED TO REMOVE 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 2020-01-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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 am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXXXXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}

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 2020-01-10
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I mailed Equifax and XXXX   disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because Equifax showed I first became 30 days late in XX/XX/XXXX, but XXXX  showed I first became 30 days late in XX/XX/XXXX. Equifax also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, Equifax responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. Equifax did not fix the error and the account is now entirely incomplete. If Equifax actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from XXXX on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX -- XXXX XXXX XXXX BANK XXXX {$590.00} i have paid this account off in full please remove this from my credit report as XXXX said it would

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, Equifax removed a positive closed account from XXXX, and this seems to be the cause of a 52 point drop in my Equifax credit score from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. After speaking with their customer service line on XX/XX/XXXX, they advised me to get a copy of my credit report to see if that explains the dramatic drop. I received the report on XX/XX/XXXX and called them on XX/XX/XXXX. The only thing on my credit report is the positive reports on the one joint personal loan I've had since XX/XX/XXXX. There are no other accounts, positive or negative, and there are no hard inquiries. 

All the reps would tell me was to contact a credit advisor so they could pull my report and explain. I called XXXX on XX/XX/XXXX, and they can not assist me as it is not a debt issue. 

The issue is with Equifax, and they are unwilling to resolve. Because credit scores and reports are always stressed to be vital in life, the unwarranted drop in only my Equifax credit score ( XXXX and XXXX have had no change ) through no fault of my own is unacceptable and damaging. Their error needs to be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a line of credit with Citizens Bank that had a {$10000.00} credit limit. I owed them about {$9300.00} and had trouble paying them due to finances. So they ended up giving it to a collection agency. I was contacted by XXXX  back in XXXX of XXXX and they contact me and made an offer of {$1400.00} which the account would be settled in full. 
So on XX/XX/XXXX I made a payment of {$1400.00} to XXXX for the line of credit at Citizens bank which settled the account in full and closed it out.

For some reason XXXX is showing that the account was paid and closed with a payment date of XX/XX/XXXX and showing current. 
For some reason XXXX has not been updated. It is still showing derogatory, showing a current balance of {$9300.00} and a last payment date of XX/XX/XXXX. In the remarks it says charged off as bad debt, profit and loss write off. The status states collection, charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The payoff of my loan was received by the servicer on XX/XX/XXXX however they are not considering the payment as received until XX/XX/XXXX. They have acknowledged that the payment was received on XX/XX/XXXX, but they are refusing to post it as of XX/XX/XXXX and have therefore charged me for an additional day of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid Credit Collection Services my full balance of {$530.00} on XX/XX/2020 at XXXX it came off my credit report for two weeks now its back on. 

Also I dont know what XXXX is its says owe {$860.00} never heard of that company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I own a very small studio in XXXX XXXX, Illinois. I rely on the small Social Security Benefits for my support. My mortgage is with Chase Bank. For the last 5 years I have been trying to obtain a modification for my loan based on the US government guidelines, sending modification paperwork to that bank in many copies. At the same time Chase filed a foreclosure against me. I have been sending all the required documents as requested by Chase ( over and over again for no reason ) but never received a modification. At the end of this entire cycle Chase went through the foreclosure process and sold my condo. Now I am in the position that I have nowhere to go and will end up on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I have contacted Experian several times concerning the accounts listed on my credit report for DEPT OF  EDUCATION/XXXX with the account numbers XXXX {$3800.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$6900.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$4400.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX, DEPT OF EDUCATION/XXXX  with the account numbers XXXX {$5200.00} I submitted this request previously on report number XXXX which these accounts were deleted. There are also several inquries that are listed that are not mine & I never applied for XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19, XXXX XXXX XXXX XX/XX/19 and XXXX/XXXX XXXX XXXX XX/XX/19. All the above information should be deleted from 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 2022-02-25
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Addendum to complaint XXXX As of XX/XX/22 I have now been charged a total of XXXX $ in overdraft fees. This is within ten days time. There has also been {$360.00} deposited in my account, which should have covered the initial {$120.00} my account was short

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18
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: Their investigation did not fix an error on your report

Complaint:
I am impacted by the coronavirus because I XXXX  for XXXX and XXXX I have underline health issues and ca n't XXXX   till this is over with, so I called XXXX XXXX and XXXX XXXX to let them know both companies said that they would not report as being late on my credit report and XXXX XXXX I got an extension for two months. When I dispute the late payments with the credit bureaus it only takes them three days they come back and say that it's been updated but it's still showing late. This is coming from the Credit Bureaus. And this is XXXX Experian, and 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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit Bureau reporting incorrect information on my credit bureau. I requested the information to be removed. The XXXX collection accounts are XXXX and 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 2020-08-14
Company: Experian Information Solutions Inc.
State: OR
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:
Ive contacted Experian to resolve a {$13.00} discrepancy on my credit report. They asked me to submit a dispute, which I did. They said they looked into my dispute and verified the debt with XXXX, however, when I call XXXX to pay the {$13.00} on the account that I paid in full back in 2014 XXXX says they have no account with my social security number or name and do not have any records regarding accounts from 2014 that have been closed. Since I am not able to verify this account, or pay the {$13.00}, how has Experian resolved my despite? The discrepancy remains on my credit report and is derogatory. When I attempted to file another dispute it was rejected. When I called Experian they gave me the number to your office.

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 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
name on my transunion reports, reports a name of mine as XXXX XXXX, have no such name

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 2016-07-14
Company: Clarity Services
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I writing you because I have no success with the credit bureaus or creditors. I check my credit everyday. I keep getting inquires on my report. Clarity Services Inc pulled a hard inquiry on my report. I have no ideal who this is. I called and no one knows anything. The reported on my XXXX. Notifying XXXX they never do anything. Hopefully you can get this company to remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: NC
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 a {$210.00} medical bill from  XXXX . It was turned over to collections  XXXX . This has been turned over to Equifax by  XXXX  ,  XXXX . in  XXXX . As of a few days ago, they are still reporting it. This collection is being resold. It should come off in 7 years from original report date, correct? In  XXXX ? Or will it be on there indefinitely as long as they keep reporting it. I have been getting calls from unknown numbers from someone with a foreign accent saying they were a debt collector. I never answer and let it go to voice mail. I have challenged with Equifax about multiple reporting on this but was declined.   Thanks

Company response to consumer: Closed with explanation