BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
For the past two months, I have been trying to get a total of 8 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Transunion again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm in day 76 of a refinance. I have been told 4 times that I was approved upon a few conditions. Every time the conditions were meet and then comes a new set of conditions.They have lied 4 times and are charging new rate locks.There is no way they can turn me down because of my income and credit. So they go on and on with the lies.I have looked at the terrible reviews and now see what they are doing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served certified mail today ... XX/XX/XXXX, saying that i had been sued by Asset Acceptance LLC, for judgement {$3900.00} .I don't think this is my debt and was never notified i was being sued .The debt is from XX/XX/XXXX. The Cause no. is XXXX and is filed in precinct XXXX place XXXX, XXXX county Texas.Papers were filed by XXXX XXXX of Midland Credit Management. Thank you in advance XXXX XXXX XXXX XXXX XXXX Ph XXXX XXXX XXXX Email Address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX-XXXX  Date of Transaction : XX/XX/XXXX Disputed Amount : {$32.00} Dear Sir or Madam : Please be advised that I am in receipt of your letter dated XX/XX/XXXX, concerning the above captioned dispute. In my original complaint and also the attached questionnaire provided by Capital One and filled out by the card member, the merchandise/food order was never delivered successfully. As mentioned previously, the delivery driver XXXX was rushing and dropped the plastic bag of food in Styrofoam containers on the outside sidewalk. The order was refused and the driver took the order back. 

The order receipt was never signed for by anyone and the information provided by the merchant under " customer details '' does not even list the correct name of the card member, it has a name listed as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a victim of ID theft and have sent the proper documentation, police report, etc, however someone within this company is refusing to fix the errors and is causing me financial harm. This has been ongoing for almost a year. I called this company today and they refuse to get me a supervisor. I had to argue with people over getting supervisor. They finally transferred me to the Fraud Department where supervisor XXXX started speaking to me, then she hung up on 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 2020-01-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft twice and then I was hit with third part creditors coming after me and trying to take me to court for bills I paid ten years ago and for some reason since I was effected by the breach i. Have experience not listening to me regarding a third part lawyer for XXXX which just showed up on my credit and I have been using XXXX my entire life so they are the only ones not listening to me after spending hundreds of dollars with post offices and ink and so on and so forth I thought I was finished finished fighting but this is for XXXX Im XXXX and can not afford to live never mind a bill I dont owe and effecting my credit I can not fight anymore Im too tired. Please help me they are the only credit company who has this listed and not listening 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX is not accurate

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 2022-06-09
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this accounts deleted or updated. This is the item I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
I attended XXXX XXXX XXXX XX/XX/XXXXfor summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Shellpoint Partners, LLC
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NY
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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: Information belongs to someone else

Complaint:
I've included FTC report and all required documents to have fraudulent inquiries removed. Equifax has refused to do so, I did not authorize nor benefit from these inquiries under the FRCA there fraudulent inquiries should be removed within 4 days Equifax has violated my consumer XXXXright refusing to do so. I've provided My photo ID, social security card, utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been followig my credit score monthly for years. It has always remained XXXX since XX/XX/XXXX. I have been following it through XXXX XXXX XXXX. On XX/XX/XXXX, I checked my credit score after receiving a notification, and it had dropped from XXXX ( XXXX ) to XXXX. In an attempt to understand the very precipitous drop, I obtained credit reports from all 3 bureaus on XX/XX/XXXX - all indicating that i had exceptional payment history ( with no late payments ), with a credit utilization rate of <30 % on total credit and no recent inquiries, etc. I contacted XXXX on XX/XX/XXXX which was unable to inform me of why the sudden drop. I contacted XXXX  on XX/XX/XXXX but they were reporting that my credit was still XXXX on their website. I then contacted transunion- which informed that the likely reason my credit score had significantly decreased was due to my XXXX  loans ( XXXXDepartment of Education loans ). They stated that : " The balances on your accounts are high compared to the original loaned amounts, lowering your scores... the balance amount paid down on your open installment account is too low '' - TransUnion Credit Score & Analysis ( XX/XX/XXXX ) This is despite me being on a REPAYE plan by XXXX based on my income. After research, our concern is how the rollout of the CARES Act, suspending student loan repayments, might have been misreported by XXXX, leading to a negative event to credit bureaus, and subsequent unfair drops in credit scores ( as reported in Sass and Hounanian v. Great Lakes Education Loan Services, et al ). 

The only other concern they had was that one of the credit cards was utilizing >50 % of the credit utilization rate- but they did not believe this accounted for the significant XXXX point drop in my credit. Also, since XX/XX/XXXX when I saw the credit drop, we have paid a significant portion of that credit card off, as to remain <30 % utilization. 

We are in the process of applying for a XXXX  loan to buy our first house and, with no answers why from the credit bureaus, this has singificantly impacted the process.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: NY
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:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Lost card and someone used it to withdrawal XXXX dollars. Bank wont honor my fraud claim

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 2021-08-04
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: Investigation took more than 30 days

Complaint:
I've filed a dispute in regards to the incorrect items on my credit report XX/XX/2021. It has been well over 30 days and I've yet to receive any investigation results.

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 2022-12-12
Company: EQUIFAX, INC.
State: OH
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:
Upon checking my credit report I still see that inaccurate information on me is reporting. 

On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On Equifax my XXXX is XXXX XXXX and not XXXX XXXX XXXX XXXX name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor in that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX AV XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX AT XXXX XXXX XXXX  XXXX XXXX XXXX : {$5300.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2600.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/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 2021-10-02
Company: EQUIFAX, INC.
State: LA
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:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I dont understand how this one is past due if I did make a payment agreement with them they told me also my account will become current. they have close my account last year of 2021 without my knowledge they told me they sent a letter never received it When few months before I did a pay of {$400.00}

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