BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
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 contacted Transunion over XXXX times on XX/XX/XXXX before I can reach someone in the fraud department in the US. I sent in a request on XX/XX/XXXX to block and delete information within five days as required by law per 15 USC 1681 and ask for more information of why a dispute was initiated on XX/XX/XXXX without my consent, when my letter clearly requested the fraudulent items from XXXX, XXXX, and XXXX to be blocked and deleted. I was able to speak with two people on XX/XX/XXXX at XXXX and XXXX pm est, XXXX , and XXXX who identified themselves as supervisor 's in the Transunion fraud department stating that they can not block and delete any information from my profile and will not furnish any proof validation per my request. Neither would provide a last name or ID #. I advised that these items identified in my complaint in XXXX showed the company deleted these accounts per their response to the CFPB complaint. Transunion continuously breaks the law and engages in fraud and identity theft by reporting fraudulent information on my credit profile without my consent and are violating my consumer rights 15 USC 1681 HB2, 15 USC 1681 B3, by not provided me my file, summary of rights, and description of the investigation/reinvestigation. They are also falsifying that they deleted these accounts to the CFPB and the accounts still appear on my consumer file. I am demanding these accounts to be blocked and removed immediately or I will take legal action against and sue for damages.

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 2017-09-07
Company: CORELOGIC INC
State: FL
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:
On XXXX/XXXX/XXXX ... Credco ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit

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 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a Capital One Credit Card. I have had it for probably 20 Years or more. I usually log into my account at least once a month to look at charges as well as payments. 
On XXXX the XXXX 2017, after I entered my username and password it took me to a different page asking me to verify 3 things. One was my contact phone number, two was my email address and the third was my annual income. My annual income is private and I did not wish to disclose it. Because I would not disclose my annual income I have been denied access to my account online. I spoke with a rep from Capital One then I spoke to there Supervisor. They were unable to help or grant me access to manage my account. They are not restricting me to use the card. The credit agreement has not changed. They are just restricting me from viewing or have access to manage my account until I give them my Annual Income information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling my items through XXXX XXXX. The buyer contacted me saying he wants to purchase my items. He asked me for my XXXX as it was the payment I usually make online transactions with. He sent me a screenshot saying he sent me the money of {$150.00}. Shortly after, I received an email from " XXXX '' saying my XXXX needs to be upgraded to a premium account. I didn't know that was such a thing at the time. The email said I need to receive {$350.00} more, in a total of {$500.00}, to make my account premium. He sent me a screenshot that he sent me {$350.00} through XXXX and that I need to send him {$350.00} through Zelle in order to have {$500.00} back from XXXX. Then, I got another message from the buyer saying he was double charged from XXXX and I need to send him {$500.00}. Then I thought something was off, called XXXX and confirmed that it was a scam. I have the screenshots of the email I received from him as well as the conversation I had. I currently filed a claim through XXXX and Zelle. I didn't receive the money back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: FL
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:
I have been trying to get in contact with Experian for 3 years to get access to my membership so I can view my credit report and score. There is no one you can talk to over the phone they just refer you back to the app or website. When I click on forgot password or username it says that it sent an email to me, but I never received it. I need access to my information and I keep going in circles and never can speak to a live representative.

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 2021-10-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 noticed some inaccurate information on my XXXX report that needs to be deleted for inaccuracy and unverifiability.

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 2022-07-14
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX, XXXX I have formally notified, each of the three credit bureaus, XXXX, Equifax, and XXXX in writing via certified mail, that their reporting of the current bankruptcies in my credit file in which they manage, are in direct violation of the Fair Credit Reporting Act ( FCRA ), each of my attempts have gone uncorrected. Each agency has responded to the disputed items as VERIFIED AS ACCURATE, How this could be when they indicated the court furnished them the information knowing that this is untrue, and their investigation was not done correctly either according to the FCRA, resulting in the bankruptcies still appearing on my credit file. Their unwillingness to correct their errors has caused unnecessary and difficult situations for me while trying to obtain loans, credit cards, and housing. The like of cooperation has also affected my credit score not allowing me to get above a XXXX with paying my bills on time., the information in my credit file is inaccurate, merely due to the status of the bankruptcies citing discharged on one report, dismissed on another, inaccuracies and lastly, XXXX public records such as bankruptcy are in your file. I have attached several documents relating to this specific issue to support me disputes. I have listed the FCRA Violations below to be relevant to this matter : 15 U.S.C. 1681 section 602 ( A ) Having the Right to Privacy 15 U.S.C. 1681 Section 604 ( 2 ) Not Having My Written Consent 15 U.S.C. 1681C section ( a ) ( 5 ) Requirements to information contained in consumer reports 15 U.S.C. 1681d section ( a ) ( 1 ) Disclosure of fact of preparation 15 U.S. C 1681 section ( b ) Disclosure on request of nature and scope of investigation 15 U.S.C. 1681d section ( a ) ( 1 ) ( 4 ) Disclosure of investigative consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN
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:
Genesis or whoever it is uses my information without my authorization. They need to further investigate who exactly used my information. 

Please ask Genesis to provide the identification that was submitted to them by whoever person tried to open an account using my name as it is considered Identity Theft. 

I badly need your help in this manner. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I lost my job. I applied for a loan modification through the current mortgage XXXX XXXX. I was approved on XX/XX/XXXX for a modification. On XX/XX/XXXX my loan was sold/transferred to Fay Servicing. Fay Servicing did not honor the modification and denied my assistance. I applied various times for a modification and was always given the round around. I was told to submit the applications various times. I submitted the application a total of four ( 4 ) times with various requests to submit the same documents over and over. I am submitting my application and the approval letter from XXXX XXXX approving my modification. I have contacted Fay Servicing various times through phone calls and emails, but no replies. I have even contacted the lender, XXXX XXXX XXXX. To date, I have had no luck in communicating with Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: VA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please Delete the following Incorrect Addresses and Employers listed below. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX SPC XXXX XXXX CA XXXX CURRENT EQUIFAX - XXXX XXXX XXXX SPC XXXX XXXX CA XXXX PREVIOUS EQUIFAX - XXXX XXXX  XXXX EMPLOYER UNKNOWN?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Innovate Managed Holdings, LLC
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: Account status incorrect

Complaint:
XX/XX/2017 I reached out to Innovate auto loan company concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have sent letters to all XXXX credit reporting company regarding a bankruptcy that is listing on my report. all XXXX as saying that they have verified this but after contracting the bankruptcy court the stated that they do not report, nor with they verify any inquiries regarding bankruptcy due to privacy. since this ca n't be verified i want it to be removed from all XXXX credit reporting companies, transunion, 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 2019-03-27
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this creditor off ( XXXX ) {$260.00} in XX/XX/XXXX. This account has been paid in full and settled. I dispute this item 5 times with XXXX. Each time the Professional Bureau Collections of Maryland said this account is accurate. I reached out to Professional Bureau Collections of Maryland directly, a number of time. I was informed by a Customer service representative at ( Professional Bureau Collections of Maryland ). That they didn't care if I paid the account off with XXXX they want there money and will continue to report this item until I pay them. I offer to send documentation from XXXX and XXXX XXXX showing that this matter has been paid off. The representative said they don't care and they will remain reporting it on my credit as unpaid each month. Professional Bureau Collections of Maryland is a collection company ( XXXX XXXX ) hire to settle this claim. XXXX wireless reach out to me and I settled with them. They inform me after settled that the collection company will closed out the account as well. Which ( PBCOM ) never did .The company PBCOM are SCAM Artist COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: ERC
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This letter is regarding account # XXXX, which TransUnion reports I have a charge-off in the amount of {$1000.00} owed to XXXX XXXX XXXX This negative mark is reflected on my TransUnion credit report. My credit report is attached for reference. Yet again, the company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. So, how can a credit reporting agency continue to display unverified and derogatory accounts? Be advised that the description of the procedure used to determine the accuracy and completeness of the information was also requested. This is a formal notice that this item is disputed once again - and has been disputed with XXXX XXXX XXXX for more than 2 years now. How can a company get away with listing inaccurate information about a consumer 's credit profile and not be held accountable to prove the source of 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: Investigative Concepts, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps calling my phone number even though I 'm not the person they are trying to contact and do n't know the person as well. I called them and tried to explain and they were very rude to me and told me they would do nothing about taking my number off the list. I asked to talk to a supervisor and was then hung up on. The number they call me from is XXXX. This happened on XXXX/XXXX/XXXX at around XXXX am Arizona time.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-07
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX sometime I started looking into my credit files more due to wanting to buy a home. I was shocked to find a few items still reporting or reporting at all. So I got to working fixing paying, disputing anything that was wrong which was this account but with another collection company at the time so I disputed it and it came back as deleted due HIPPA LAWS and other info could n't be verified. Now the same account but with a New COMPANY has reported against me XX/XX/XXXX with no letter or statement or simply saying that company has that account. So I tried calling the company after googling the number and the people are rude as all heck and they wont give you any info except for its a past due amount from when you in the hospital or something about the hospital, could n't understand her that well. I disputed it on the XX/XX/XXXX also through XXXX and today XX/XX/XXXX very next day right I dispute this, Commonwealth Financial Systems reported against my credit for late payments! how can I be late on payments when I never had payments nor with this company! How can they report while I 'm disputing this? Plus I have had my name and SSN used so much in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: NY
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 contacted the debt collector that was servicing the acts, I even had to pay even though I had explain my situation about a family member using my personal information. After going back and forth they made settle the account I was told they will remove it from my cred and they still affecting me although it shows the acct is clorases but keeps showing late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The amount was {$2900.00} in U.S currency. Sent from usa to XXXX. Sent via Remitly to the XXXX XXXX XXXX XXXX. Sent on XX/XX/2019 and according to them it was completed the on XXXX of XXXX. They claim the bank has the money but my family member went back two times and they're saying no transfer has been made with the transcation number they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to XXXX, transunion, or XXXX due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE 3 BUREAUS.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hi, I'm filing this complaint with the Credit Bureaus because I believe the account below that is posted on my consumer report is a fraudulent account. I have no recollection of opening an account with XXXX XXXX XX/XX/XXXX. I tried disputing this with them to get more information on this account but they did not disclose any information to me. The account number is below. 

XXXX XXXX XX/XX/XXXX- acct # XXXX I've filed an identity theft report with the FTC and that report is attached below. I ask that this information be removed from my consumer report immediately because it is a fraudulent 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 non-monetary relief