BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
This account has been disputed and removed from all three credit reporting agency in 2021. This company has been calling and sending notices trying to collect on this account. This account has reached its statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
I received a report from TransUnion in the mail showing where they have updated my name. Transunion is reporting 2 names, there should only be one name reporting. I have sent the proper documents verifying who I am. My name needs to be corrected, per the documentation that I have uploaded on my previous complaint.

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 2022-10-06
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 sent a letter out on XXXX XXXX XXXX XXXX  to XXXX, Transunion and XXXX. Here are my tracking numbers ; XXXX : XXXX Transunion : XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2017-05-09
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:
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), secti  on 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negativ  e information to the credit reporting agencies in connection with the aforementioned account  s may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1. ACCOUNT NAME   :  XXXX   XXXX   XXXX  #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2.  ACCOUNT NAME :  XXXX   XXXX   XXXX  #   XXXX  ,  XXXX ,  XXXX   XXXX   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.   3. ACCOUNT NAME :  XXXX  #  XXXX   ACC BAL  {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.

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 2023-05-17
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$9800.00} 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 explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: ID
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 had a foreclosure on my home in  XXXX .  XXXX  reported it on my credit in  XXXX   XXXX . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX    XXXX   contacted  XXXX  telling them this debt ( charge-off of {$35000.00}  ) w as too old and needed to be removed. They refused to remove it, stating we had made payments in  XXXX ,  XXXX  and  XXXX  of that  year (   XXXX  ). We were unable to purchase a home due to their fraudulent claims.     I disputed it with  XXXX  and thankfully they removed it. I have tried to dispute with  XXXX   (   XXXX   XXXX   ),  but  XXXX  reported we never missed a payment from  XXXX  to  XXXX  and we make payments on the loan every  3-4 mon ths. They have not reported to Experian any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from  XXXX , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a  7-year p eriod to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Global Payments Check Services, 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: Account information incorrect

Complaint:
I pulled my credit report and noticed that  XXXX   XXXX   XXXX  are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.

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 explanation
Consumer complaint received 2022-02-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount is wrong, and is for more than 1 account. I have recorded communication they refuse to give me copies or speak to me about the debt on more than one occasion. They refused to let me set up automatic billing. Then when I found out I could have ut covered by another insurance if they email me the original bills they refused to send me and the insurance the original bills copies. Also the original debt wasn't billed properly it was billed to XXXX XXXX XXXX not XXXX XXXX XXXX. Per original debtor in the XXXX XXXX XXXX case because im friends with the dr I was billed for seeing. I never did see a dr . I was only in triage and seen a PA and nothing was ordered, I was given a shot and meds. No extras or tests. So bill is also to high for that visit. So, I want to see it. But, the refuse to cooperate. And for over a year wouldn't talk to me and are charging me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
AS OF   XXXX   XXXX   I WAS INJURED AND IN THE HOSPITAL, TALK TO CAPITAL ONE AND THEY SAID THANKS FOR THE CALL AND I TOLD THEM, OUT OF WORK FOR A LONG PERIOD OF TIME.. THEY SAID THEY WOULD WORK WITH ME AND I SAID OK..  ON   XXXX   XXXX   XXXX   -- THEY SENT ME A LETTER AND SAID PAID {$88.00} BY   XXXX   XXXX   AND I TOLD THEM THAT WAS NO WAY AT THIS TIME..I DID TELL THEM THAT I COULD PAY A BIGGER PAYMENT LATER IN THE MONTH, THEY SAID GREAT.. SHORTLY AFTER THAT I SENT ALL OF MY PAST DUE AMOUNT TO THEM..DAYS LATER I CHECK TO SEE IF THEY RECEIVED MY MONEY AND THEY SAID YES AND INFORMED ME AT THAT TIME MY ACCOUNT WAS CLOSED AND THEY WERE NO LONGER DOING BUSINESS WITH ME..I HAD THIS ACCOUNT FOR OVER 8 YEARS AND NEVER LATE..I WOULD NOT HAVE SENT MONEY WITH THE THOUGHTS OF THEM CLOSING MY ACCOUNT. THE COMPANY IS CAPITAL ONE AND THE LAST FOUR OF THIS ACCT IS --  XXXX  -- -MY INFO IS   XXXX   XXXX   --   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , FL  XXXX   XXXX  -- -- THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have filed a complaint against TransUnion 2 times in past 3 years each time you have it a closed it is not closed and the incorrect information is still on my report I have called emailed chatted with them recently and all they do is give me the runaround they ask me to pay XXXX for any info my dob and multiple discrepancies as well a wrong phone number are on my report I have been denied any type of credit or loan because of this and any attempt to reach them is a dead end

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 2023-02-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity charged me tax on an item. 
I live in XXXX and do not have to pay tax on clothings item less than {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
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:
My ex husband got a house with me in my name then he XXXX XXXX  me and I moved out and filed for XXXX  and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.

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 2017-05-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing a complaint against  XXXX   Dept of Education , because they had reported and continue to report that I have two late/miss payments for  XXXX   XXXX  on all  XXXX  loan accounts, this is incorrect because I was in school at University of  XXXX  during this time with in school deferment up until  XXXX   XXXX , after that I was approve for deferments  XXXX  &  XXXX  and currently have an Unemployment deferment for  XXXX . I have been in deferment since I started school in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX continues to report to XXXX ( 2 ) unpaid debts that were paid directly to XXXX. This is a violation of my rights under the FCRA and I want this company to remove this from my credit report immediately and stop all communications regarding this. 
Also through research, I have read in muliple sources that medical bills under {$500.00} will not be reported to credit bureaus any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CHARLES SCHWAB CORPORATION, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I responded to a post in a local knitting XXXX  group advertising the sale of concert tickets. I evaluated the person 's XXXX, saw that they were a real person, with a posting history and real photos, and sent them a message. We discussed price and agreed upon {$150.00} each for 3 tickets. They sent me their XXXX  info, which was attached to a business LLC email and is a business account. I sent them {$450.00}. They then claimed to need my XXXX login email and password to transfer the tickets, at which point I realized scammers must be impersonating this girl, who must've fallen for the same scam and given her login info. I am unsure if they are using her XXXX and bank account, because the email address was attached to a sewing business, which seems plausible given the knitting. I did not give over my XXXX  information and I promptly informed Schwab of the scam. They told me they would evaluate the case but that it was strong due to the XXXX business account. They told me they would ask for additional evidence. They then closed the complaint without asking for evidence. I called and asked them to re-open the case with my evidence ( screenshots of the interaction ) and they said they would, so I sent the information. They replied that the case had already been closed, and did not further evaluate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CCF Intermediate Holdings LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a payment on XX/XX/XXXX I got an email that the payment didnt go through today XX/XX/XXXX. The amount was {$220.00}. Now the balance is {$590.00}. I am overdrawn in my bank account. And Im trying my best to get that resolved. I am barely making it Im on a fixed income. I called in and spoke with an agent named XXXX. And she told me that Im at risk of going to collections. And to move a payment she needs 50 percent I have had cash Central since XXXX of XXXX I have not missed a payment. This is the first time. I have other expenses to pay I have bills and a roof over my head to pay. Last month I was out of town due to a family emergency it has been difficult to get back on track due to my hours getting cut. I called back and spoke with another man I explained the situation and he asked what I wanted to do. And I asked what options there are because I have no way of paying. He asked if Im able to make a payment in two weeks I said I hope I can and he was very snarky towards me he asked me whats going on I said Im in a hardship and he goes what do you mean by that? He went to make a change in the account and he claimed that he couldnt access my account because another agent was in the account. And it was the previous agent that I spoke to it says my account will be charged off and sent to a 3rd party collection. This is not a fair. And I want to come to a resolution to this matter. This has been very tough time for me. My account is overdrawn and I have no way of making up the missed payment. I want to consider an arrangement or come up with a settlement and not do business with this lender again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Ray Klein, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was a long time customer of XXXX XXXX. In the spring of 2021 we started experiencing service issues on several of our phones and worked repeatedly with the company to get those issues corrected. There were numerous calls to their tech support line and after many attempts it became clear that they were not going to be able to correct the problems. We cancelled service in XXXX of 2021. They billed us {$380.00} after we closed the account. We disputed this credit card charge through our bank in XXXX. On XX/XX/XXXX we recieved a letter from our bank saying we had won the dispute. XXXX XXXX continued to seek payment of that debt. I sent a copy of the letter from the bank to XXXX XXXX on XX/XX/XXXX asking them stop seeking payment. They still continued to seek payment and threatened to send it to a collection agency repeatedly from XXXX. I got notification from Professional Credit Service that they were seeking payment for a total of {$610.00} on XX/XX/XXXX. On XX/XX/XXXX sent Professional Credit Service a dispute letter. On XX/XX/XXXX Professional Credit Services sent me an email requesting payment for {$620.00}. On XX/XX/XXXX I called them and asked them to drop the debt and they refused. I requested to be transfered to a supervisior and was a told a supervisor would call me.

Company response to consumer: Closed with explanation