BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 reached out to the company " XXXX XXXX XXXX '' for information regarding a vehicle loan for the XXXX  XXXX XXXX that is reporting on my credit report as charged-off. XXXX advised that they could not provide any information, that I would need to contact the company collecting on the debt, which is XXXX XXXX, however, this debt is still reporting under " XXXX XXXX XXXX. '' I reached out to XXXX Acquisitions multiple times to request verification documents for the debt and was told I was not listed as the owner of this debt, but the primary applicant of the car loan was.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX Ca XXXX ( Date ) XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Last four digits of social security number : XXXX To whom it may concern, Im writing this letter to dispute the following.. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : Name : Full Address :

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit accounts. I have sent them letters and TransUnion has not taken action to report to me the consumer in the time frame as agreed according to the FCRA

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 2018-08-09
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: Account status incorrect

Complaint:
This mortgage was transferred from XXXX  XXXX XXXX to XXXX XXXX XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

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 2022-11-25
Company: EQUIFAX, 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 status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I took out an auto loan through Chrysler Capital in XX/XX/XXXX. I have paid monthly installments ( {$350.00} ) over the last 4 years and on XX/XX/XXXX I sent my final installment via a guaranteed cashiers cheque to settle my auto loan to the value of {$13.00} XXXX. My balance was due on the XX/XX/XXXX The cheque was sent via registered mail and as a result I received confirmation that the check had been received and signed for. 

on XX/XX/XXXX I called to follow up on my payment, a Chrysler Capital customer services agent informed me that they had lost the cheque and requested that I send the front and back of the cheque as well as the confirmation of delivery. This information was sent on 3 separate occasions and I have called weekly to follow up on the status of my payment. 

on XX/XX/XXXX I received a letter in the post dated XX/XX/XXXX stating that I need to return my vehicle to the dealership as I have not settled my auto loan, it outlined that I need to return the vehicle within 10 days of the date of the letter ( XX/XX/XXXX ) to avoid my vehicle being repossessed On the XX/XX/XXXX I called Chrysler Capital to follow up on the letter as I wanted to outline that my check was in query. I was assured that there were notes within the system outlining that they were in the process of locating my check furthermore they requested that I resend a copy of my check via fax once more to stop further action from being taken. They also outlined that it would take 24 - 48 hours for my fax to be available for their view on my file. this was outlined each time I sent a fax on the XX/XX/XXXX I called as a follow up to ensure once more that they had received proof of my check as well as proof of the check being delivered however this time after having sent them the information three times they outlined that the information that they had requested three times prior was in fact not sufficient enough. 

they outlined that I need to contact the bank to determine in Chrysler Capital had endorsed the check, I followed up with my bank who outlined that due to the funds being in Chrysler Capitals name, and technically not in my account they could not provide me with that information. They outlined that 90 days would need to lapse from the date of the check being issued to provide any information about a potential endorsement or reissue. for all intents and purpose the funds are in Chrysler Capitals name and in the instance they have lost the check, they would need to declare that to the bank for the release of the funds available to them. 

I currently have received notice based on the letter that if they have not yet located or cleared my check and I have not yet returned my vehicle that they will recover my debt by means of repossessing my vehicle despite having sent a check and issued payment at my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: PA
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 XX/XX/2022, I called XXXX and Experian to inquire about about the fraudulent hard inquiries on my credit report. I requested the inquiries to be removed but was unsuccessful and have not received a response yet. I feel like Im being taken advantage and my disputes are being ignored. Also Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove those items from 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 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$95.00} XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} 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 Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX BANK XXXX Balance : {$0.00} XXXX XX/XX/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 explanation
Consumer complaint received 2018-08-09
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently noticed a pattern of random accounts appearing in my debt collections on my credit report. I have had a number of accounts that appear to have a very similar sequence of a time frame in which they were established. I did not authorize nor do I have knowledge of how these accounts were opened without my consent. I am not sure of how someone could have obtained my personal information in order to conduct such activity. This appears to be a case of identity theft and I wish to address this matter immediately. The debt collection states on my credit report that the original creditor was XXXX but mind you I did not have service with that company during the time of this frivolous occurrence.

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 2020-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX XXXX {$200.00} XXXX XXXX   XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}

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
Consumer complaint received 2023-10-06
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I applied for an assumption for our mortgage in XX/XX/2023, ( at this time they verified my mortgage was assumable and assured me that it would not take longer than 90 days for the entire process ). The mortgage company verified that they received my documents on XX/XX/2023. Since then, I have attempted to contact the company. The first time I called, they verified that they received documents and we should get the next step of the process within 7-14 days. Once that time had passed I, again, attempted to follow up. This time the customer service Rep said they would put a ticket in for the assumption dept to call me back within a week. After 2 more weeks, I followed up and they refused to escalate the ticket and refused to allow me to be transferred to the assumption dept or to talk to a customer service supervisor. Since then, I have followed up regularly with the same responses of pushing a ticket to be called back, and to give it more time. The last time I spoke with a customer service rep she even said that it was ridiculous that I haven't received any further communication or follow up from the assumption dept. Customer service said there is nothing else that they nor I can do to move this along any further. 

I feel as though Freedom Mortgage is breaching our mortgage agreement. I also feel as though they are breaching our verbal contract that the process would be completed within 90 days. They are not allowing us to have our mortgage assumed.

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 2023-04-07
Company: LEXISNEXIS
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Since at least XXXX of 2012, LexisNexis Risk Solutions Inc. has been reporting outdated information to insurance companies which has adversely affected my ability to obtain auto insurance or has significantly impacted the rates offered or that I pay for insurance. Since 2012 I have requested copies of the information they are storing and reporting about me. In the paperwork that I've received several times, there is no clearly defined process for disputing the information contained in these reports. I have tried contacting them by phone but only ever get routed to an automated system to request a report via mail, with no option to speak with a person or dispute information. I have submitted written requests each year since 2012 for the information they are storing and reporting to be updated. I mailed these requests to the only address that I can find for them at LexisNexis Risk Solutions Inc., XXXX XXXX XXXX, XXXX, GA XXXX through US Mail. It has now been more than 11 years since my first attempt at contacting them and requesting information to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
For over a year, Transunion has not given me access to my credit report online ; they sent me a letter saying they do not understand what I am requesting. I AM REQUESTING ONLINE ACCESS OR TRYING TO FREEZE MY CREDIT REPORT. I KEEP GETTING THE SAME MESSAGE. We are having technical difficulties. We appreciate your patience while we resolve this issue. 
THIS HAS BEEN THE SAME ISSUE FOR OVER A YEAR AND I CAN NOT KEEP CALLING A REP ASKING WHY, AND THEY DO NOT HAVE AN ANSWER.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-06-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please remove them as soon as possible : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} 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 explanation
Consumer complaint received 2021-07-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a phone call on XX/XX/XXXX from a Navient agnet stating there was a payment due on my account. I used my debit card number to make the payment with the agent on XX/XX/XXXX at XXXX CST. I have continued to receive calls the next day seeking payment. The calls were received on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I called Navient and spoke with an agent on XX/XX/XXXX at XXXX. I was advised that he could see the payment on the account but that I would still receive calls. He advised there was no way to flag the account to prevent calls. I still continue to receive call after speaking with the agent. The most recent call was received on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Berlin-Wheeler, Inc. (Kansas)
State: NM
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 has been going on for years. XXXX XXXX is showing up on my credit report. XXXX reported it was not my account and XXXX as well as the other credit reporting agencies took it off my report. XXXX closed the account connected to myself. However, it is still showing back up on my credit report to ruin my account! If you look at the previous documents and reporting you will see it gets taken off and put back on! The account is in XXXX and I don't even live there. I have XXXX  as my provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020. I checked my credit and found a collection debt of $ XXXX wasn't mine. I called the collection agency ( Synerprise Consulting Services ) and explained to them that the debt wasn't mine and I don't live where the fraud took place. I ask them to verify my Social Security Number, but they couldn't. They only have my name and date of Birth. I even tried to get information for a police report, but the companies are giving me the run around. The collection came from XXXX XXXX XXXX in XXXX Texas. I live XXXX hours from there. They can't provide me an address where the transaction took place so I can file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Incomm Holdings Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought 2 vanilla gift card at a XXXXXXXX XXXX and when we went to use them ( 2 separate dates ) both cards were declined. We then checked the balance and transactions online and noted both had been used but not by us. We had no idea the business used at. We contacted vanilla gift card filled out a dispute form and appears they dont really care and no follow through has been made. Very frustrating as we have basically lost {$200.00} and yet no one is responsible for this.

Company response to consumer: Closed with explanation