BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that my account was properly investigated and verified on several occasions ; but how is this possible if the Account Status, Date Opened, No of Months ( Term ), Last Reported, Date Last Active, Date of Last Payment, and Payment History are not accurate? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-11-21
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 spoke with someone at Transunion for the fifth time on  XXXX / XXXX / XXXX  about fraudulent inquiries on my credit report. I have placed fraud alerts on all the credit bureaus because I found activity and have been receiving denial letters for things I never applied for. I was told to file a police report. Went to the police station here in  XXXX   XXXX , Missouri. The sergeant on duty stated to me that if there was no balance nor account opened, that no criminal actions was really committed. She told me that the credit bureaus should remove them do to me supplying information and showing that there is some form of fraud going on. These are the unauthorized/unverified inquiries that I have asked to be deleted.  XXXX   XXXX / XXXX / XXXX  ;   XXXX   XXXX    XXXX / XXXX / XXXX  ;  XXXX   XXXX / XXXX / XXXX  ;   XXXX     XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX  ;  XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , &  XXXX / XXXX / XXXX  ;  XXXX   XXXX / XXXX / XXXX  ;   XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX . According to the FRCA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the my phone call and as well as received a new report with no change nor verification, one can assume that there was NO investigation into the matter. I plan to purchasing a home this year and having this many hard inquiries on my credit report, that I did n't authorize, is a sign of financial risk, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have included ALL supporting documentation.

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 2021-11-21
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never paid my Banco Popular Mortgage late. I requested all copies of payments made to Popular Mortgage to verify its accuracy and any discrepancies, and Popular Mortgage has continually ignored all of my requests. By law any discrepancies that can not be proven has to be removed from my XXXX credit file. I would appreciate anything you can do for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: MS
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:
We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX    XXXX , MS . I contacted the Judgment Court and was t old that  XXXX   XXXX  would have to notify them that the Judgment was satisfied. I filed a dispute with Equifax Credit and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to state  Amount Satisfied. I  have been unsuccessful having this changed by   XXXX   XXXX    and the Judgment Court  in  XXXX    XXXX , MS .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in regards to  Hunter Warfield .  Best Property Management Inc,  and   XXXX   XXXX   is attempting to collect on a debt that is not owed.   XXXX   XXXX   XXXX   is a property management company. The owner of the property and I have a dispute.   XXXX   XXXX   sent this matter to a collection company called  Hunter Warfield. Hunter Warfield pulled my credit report without my permission. Before they had mail me a letter, the pull the credit report from  XXXX . This is wrong.    The matter is in question was filed with the  California Fair Housing and Employment  agency. A lawsuit is pending on the matter. Best Property Management is a defendant in the matter.  XXXX   XXXX   XXXX  does not represent the owner. She has an attorney. This collect attempt is unlawful.      Hunter Warfield do es not represent the owner of the property. He does not have permission to try and collect on a disputed debt. Surely, I have 30 days from the receipt of the notice to protect the amount demanded. I wish to have the matter dropped and for the owner 's attorney to continue pursuing this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never paid my XXXX XXXX Mortgage late. I requested all copies of payments made to XXXX Mortgage to verify its accuracy and any discrepancies, and XXXX Mortgage has continually ignored all of my requests. By law any discrepancies that can not be proven has to be removed from my Experian credit file. I would appreciate anything you can do for me. 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 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I Checked my credit report and saw multiple fraudulent inquiries on my account and they are : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I have filed a police report, and a identity theft affidavit and got it notarized! REMOVE THESE FRAUDULENT INQUIRIES IMMEDIATELY!

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 2018-05-31
Company: EQUIFAX, INC.
State: IL
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:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Never received promotional {$300.00} credit after meeting the conditions for the credit. Complained to CFPB who did nothing but shuffle complaint to Bank of America who promptly lied to the Federal Government, Gee what's new? Said bank told CFPB in latest lie that they have sent me mail. Never received any contact from the bank and yet CFPB considers the matter closed? Well I don't. Somebody at CFPB needs to shake the tree, this is ridiculous.

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 monetary relief
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report score has not changed in over XXXX months and I would also like some incorrect information on my credit report deleted. I am willing to file for litigation if this insurance is not corrected

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 2017-04-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The collection com pany Conserv curre ntly h olds my Federal Student Loan.  I spoke with a representative from the company on Friday  XXXX   XXXX  to make arrangements to set up a monthly payment option. I am currently attempting to rectify the default status and the tax offset of the loan. I was misinformed by a representative that a repayment option would assist in helping get my loan out  of Tax Offset. It w as explained t hat a Title 4 payer is eligible to have the Tax Offset status removed after 6 consecutive on time monthly payments. After I agreed to setup a monthly payment, I then asked the question about the Tax offset to confirm our original conversation. The representative was not forthcoming in explaining that the Tax offset is only eligible for Title 4 payers which I had to ask to explain what a Title 4 payer is which I am not   eligible for. I was misled into a monthly payment arrangement that would have only given  Conserv my money without any solution to my inquiry of removing the Tax Offset and Default Status. I am looking for a solution to take the loan out of Default Status and remove the Tax Offset. I 've had several phone calls regarding my   requests with no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: ERC
State: PA
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 /  XXXX   received call at  XXXX   XXXX   XXXX  . Caller refused to give me the name of the company I asked 7 times on the recorded line. I then asked for a  manager  and caller hung up. I called back to speak to  a manager  who gave me their address which is misleading and deceptive as they are calling from  XXXX  a PA number but their address is in Florida. The  manager told me  that they buy telephone numbers to call people in other areas. I find this to be completely misleading and deceptive. The name of the company is ERC at  XXXX   XXXX   XXXX   XXXX  Florida

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked to see the contract that I signed stating these were medical bills that I owed ( had insurance ). They told me these were my debts and a contract was not needed to confirm this. I think that is against my rights as a consumer

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 2022-09-15
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was at least emailed and notified of a change on this account. My Amex account was in awesome shape and about 24 hrs ago I got an email on an account I have about half usage on and a small amount too they threatened to chop my line with them for no cause. I have a good payment history with this company even though they gave me the lowest credit limit I've ever had. They're complaining about me owing approx XXXX bucks on a XXXX dollar card. They demanded I pay them XXXX dollars to keep my credit limit. I've never heard of this! Honestly this card gives me not enough of a limit to even use the travel perks that's how sad this card is!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Carter-Young, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carter-Young cont acted me via collection letter stating I owed   XXXX   XXXX   a debt.   XXXX   XXXX   sued me over the debt and possession of an apartment I did not live in in   XXXX    . I was a co-signer for the resident of the apartment. When the case went to court, the judge ruled in favor of   XXXX   XXXX   for possession of the apartment ONLY but did not rule in favor of the amount being sued for  ( past rent, damages, and attorney fees ). I  have sent copies of the judgement to all three credit reporting agencies for proof with  one rem oving the collections  (   XXXX   ). The  othe r two still  will not remove after multiple attempts.  Carter-Young con tinues to report wrongfully as well. Please see attachments for proof.  Carter-Young ha s not validated the debt with me either only verified. No one has sent me proof of the debt either. There is already judgement via small claims court for possession not for the debt which the judge denied.  XXXX  removed the account from my credit reports promptly after seeing the judgment. I have spoke to many lawyers regarding the situation and they state that the plaintiff  (   XXXX   XXXX   ) w on on possession and lost on the rent due, attorney fees, and damages, etc. Why are they able to collect when a judge has already ruled that I am not liable?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Consumer affairs division of Equifax has my credit locked. They have requested documentation to prove iden tity 2 wee ks ago which was sent in promptly. Credit report is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: ALLIANT CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My compliant falls under a different category. I deposited a XXXX Treasury check into my checking account on XX/XX/2021 with XXXX Bank. They have held these funds for over XXXX days and are still holding them as of today. I thought banks could only hold government issued checks for XXXX day. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MO
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 sent an identity theft affidavit to your consumer reporting agency. Their are several accounts and unauthorized inquiries found on my consumer report that are identity theft related. You sent me a letter stating the identity theft affidavit was sent in error. It was NOT. I sent the identity theft affidavit. You are required by FEDERAL LAW to block the accounts from my consumer report. You are in violation of 15 USC 1681 c-2 ( a ). You are also in violation of 15 usc 1681b. I did not give you consent to furnish any of my information. 15 usc 1681n lets me know that any person who willfully fails to comply will be responsible to pay actual damages up to {$1000.00} per violation. I have mentioned two violations. In this report so far. I would advise your consumer reporting agency to comply and abide by federal law.

Company response to consumer: Closed with explanation