BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There a fraudulent address on my credit report Thats need to be removed I have contacted these companies on several occasions with my FTC reports and everything these addresses are not mines and need to be removed, Also Payments history is inaccurate on 4accounts on my credit report Ive sent several letters and disputes says its updated but when I look on my report theres no update

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX TransUnion & XXXX along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to 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 2023-10-23
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
2017 I bought a car from XXXX XXXXbut the car was so expensive, i was telling the dealership to lower the payment for me, they refused, and they came to tow my car.now they still want me to pay for the car Today I would like to dispute the issue with santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX wrongfully flagged me to credit reporting agency Experian with an account that is NOT affiliated with me/my social security number. They ruined my credit score and by extension my life. When contacted, they were not conducive nor respectful. 

I was notified by my own bank that there's abnormal credit activities on my credit report, namely a XXXX credit card account -- XXXX XXXX XXXX -- that I have no knowledge of ( and it's over credit limit ). After spending one hour, through Experian, I found out that it's a XXXX XXXX XXXX XXXX XXXX account with the account number and associated billing address, both for which have nothing to do with me. I spent more than another solid hour to call the XXXX number affiliated with the card ( XXXX ) XXXX for 5 times and went through a maze of voice prompt without being able to reach any person, which seems to set out to frustrate/deter consumers. Then I spent the next entire THREE hours talking to XXXX XXXX general customer service representatives at XXXX for 11 times and put on hold for numerous times and got disconnected numerous times. The basic fact is that XXXX XXXX credit card unit admitted that they couldn't find any affiliation between my social security number and that account fraudulently linked to me yet they posted that account and its abnormal activities my credit report. During the process of my trying to figure out what is going on and who are responsible for this error in order to hold the responsible ones accountable, I was repeatedly disconnected after the XXXX representatives put me on long hold under the pretense that I'll be connected to supervisor or someone who has authority to right this wrong. After each repetition of descriptions, I was put on hold for over 20 mins then randomly got disconnected. This process repeated no less than 11 times in total. 

And how can a financial institution producing many financial products/credit cards treat consumers with such detrimental negligence and utter irresponsible disrespect!? XXXX XXXX must be held accountable and so are the specific individuals involved in this matter!

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 2023-04-29
Company: EQUIFAX, 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 listed below have violated Federal protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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 listed below have violated Federal protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 
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

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 2017-07-17
Company: Account Control Technology, Inc.
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a wage garnishment for   XXXX   XXXX     XXXX   using my SS # and my address. I have no idea who this person is. I contacted the collection agency and they could n't give me any details, other than I need to file a dispute but my wages could get garnished and then refunded if my dispute is deemed credible. I have submitted a dispute to the dept of education on their website but I have no idea how long this will take. I ca n't get any information about this   XXXX   XXXX   XXXX   XXXX    loan documentation. I do n't even know what to do next! Help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only Equifax honored my request. I would like for student loan information to be removed from all of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I disputed the following account Conserve ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with my valid signature contracting an agreement between myself and Conserve .I would like for this account to be removed immediately as it is affecting my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Company Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been behind for several months with Mr. Cooper. When I call in to talk to them about my options, I'm always told withdrawing from my XXXX is my " best option ''. It's been a fight to get them to even entertain the idea of a payment plan or hardship plan. I was recently on a hardship plan with them and missed a payment due to job loss. They then declared my loan " over 6 payments late '' because my missed payment violated the hardship program agreement. I'm not 6 months behind. This number is staggering. I don't understand how I was making payments to the hardship program but somehow those payments didn't count towards bringing my loan current? 

I called today to request reinstatement of my loan as it is now in foreclosure for the past 14 days. I've been told that I have to call back in to " see if the quote has come in '' next week. 

This loan company does not care at all for anything other than getting money. As long as you pay them, you're golden. But if you slip, they let you fall and they do little to nothing to help you get out of that. I know for a fact in XXXX over 750 complaints were filed for this company. I'm not alone. I've read the court documents. This is a predatory loan company and they don't care about helping people stay in their homes at all. Just money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-04-29
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit report has a collection on it that is false in every way. The claim is made by Jefferson Capital System XXXX XXXX XXXX XXXX. XXXX, MN. XXXX XXXX XXXX XXXX  was opened by me on XX/XX/XXXX and charged off on XX/XX/XXXX, over three years ago. Jefferson has put on my credit report that I opened on XX/XX/XXXX and the account is still open, this is not true. They are stating I owe {$690.00}, also false, when in fact the original amount was {$300.00}. and charged off by original creditor. Further more I have seen no paperwork, statements, or any other correspondence from Jefferson Capital at all. I only noticed this as it was on my credit report as of XX/XX/XXXX. The info they have placed on my report as debt collection, open account is false, and I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/1996 Last XXXX of XXXX : XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following account is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

XXXX Account # XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

Sincerely, XXXX 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 2021-08-10
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 Equifax received notification in accordance with the Fair Credit Reporting Act of Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) for which a block was requested pursuant to 15 USC 1681c-2 ( a ). I have not seen or been presented with documentation or evidence reflecting the block. 

I furthermore have not seen or been presented with documentation or evidence reflecting reasons for declining the block in accordanc

e with 15 USC 1681c-2 ( c ) ( 2 ). Equifax is in violation of 15 USC 1681c-2 ( a )
for failing to block the information identified as identity theft by I, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/XX/2022

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 2019-06-12
Company: Experian Information Solutions Inc.
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:
XXXX XXXX Experian You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX  you have no Payment History listed on your report this is a violation of the FCRA! 

Experian You are reporting and Ok Payment On XX/XX/2019 XXXX you are reporting a 30 day late on XX/XX/2019 XXXX Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Washington DC 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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