BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
O n   XXXX   XXXX   2016 ma iled  3  forms to all  XXXX  bureaus   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  Trans Union   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2  forms of ID and a Utility bill. I have reviewed my credit report and found information and accounts that I do not recognize tha t may be   a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1  ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it  ) you have on file of the account ( s )  listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately.   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  UNVERIFIED BANKRUPTCY  XXXX   XXXX  CT  XXXX  UNVERIFIED BANKRUPTCY I have not received any corresponding mail from  XXXX  or Transunion regarding my request to To verify That these accounts belong 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 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
In XXXX of XXXX  I called my credit card company XXXX XXXX on multiple occasions requesting hardship due to me being in a XXXX  XXXX. My spouse was controlling my finances and I was not working.They insisted there was nothing they could do. Which caused me to have 5 missed payments on my credit report. I fled my home this year and asked for the same assistance and they provided it to me. When I inquired how long did they have this assistance they stated " since Covid 19 '' so that means they had it when I initially inquired.I am currently looking for a home to live in and sent multiple Goodwill letters asking for removal of the late payments. XXXX XXXXXXXX XXXX XXXX  stated for me to call Experian to have the issue resolved. If I was not given false information back in XXXX of XXXX, this could have been avoided. Now I am having trouble locating a safe home because as a courtesy to me they do not want to remove the report after they already provided false information. 

Can you please assist 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 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under thes following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Consumer Portfolio Services, Inc.
State: OH
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:
Consumer portfolio services XXXX XXXX XXXX XXXX Called today XX/XX/2022 - XXXX pm edt Did not answer. Voicemail was left. 
I attempted to call back, but the extension left was not valid. 

This company was looking for a woman name XXXX XXXX. She is a former/pass resident of my house. I do not know who this is, and she does not leave in my house. I bought the house empty. 

I returned call from this company in the last week of XX/XX/2022. Spoke with a woman representative and explained this to her. She was suppose to update their information to remove my number and address from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MN
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.

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 non-monetary relief
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2020-03-22
Company: Bread Financial Holdings, 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 was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XX/XX/XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This decision has been made in accordance with the guidelines set forth in the Georgia XXXX XXXX XXXX. 

As a tenant, I faced persistent issues with noisy and disruptive neighbors at XXXX at the XXXX. Per the Georgia XXXX XXXX XXXX, it is advised that tenants first contact their landlord to address such concerns, rather than resorting to involving law enforcement as a first step. In adherence to this recommendation, I have made multiple attempts to address these issues with the apartment complex management and unfortunately have multiple police reports that have been approved by the county. I have attached the evidence and will forward over all videos that were requested to me by management if needed. 

Despite my best efforts to resolve these concerns through the proper channels, the landlord continually failed to adequately address the disruptive behavior of my neighbors. This has created an environment that is incompatible with my right to quiet enjoyment of the premises, as any ordinary, reasonable person would expect. 

In light of these circumstances, I decided to exercise my right as a tenant to terminate the lease agreement, as outlined in the Georgia XXXX XXXX XXXX. I provided a formal XXXX notice of my intention to vacate the premises. My last day of occupancy was XX/XX/XXXX, which was 60 days from the date of the letter. 

I kindly request that this collection account with TRANSWORLD SYSTEM INC and XXXX at the XXXX with a balance of {$3500.00} be removed from my credit report. Please contact me at XXXX or XXXX to discuss any necessary arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Signed up for a care credit card in XX/XX/XXXX and was deceptively enrolled in " card security '' without my permission or knowledge. Could not view my account up until two months ago. Was charged an additional $ 73+/- per month for the subsequent 15 months without my knowledge. Called card security upon review of my statements who then advised me they will only refund 12 months of fees. Claiming they can not refund first 3 months of fees - XXXX XXXX, XXXX XXXX, XXXX XXXX claiming that I did not cancel within the first 90 days. I did not sign up or have knowledge of this enrollment so would not know to cancel. 

Also have been charged interest on the fees by synchrony bank, who additionally keeps closing or lowering my credit limit on every account I have with them despite the fact I have continued to make on-time payments. This has severely impacted my credit score and put me much further into debt while allowing them to raise my interest rates on all of my cards.

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 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My visa card with a {$4400.00} limit is reporting twice on my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After multiple attempts to fix my service with XXXX XXXX I finally cancelled the service because I needed a steady and trustworthy internet connection for my work. XXXX auto debited my credit card on XX/XX/2023 in the amount of {$270.00}. My normal monthly amount is {$100.00}, and I was not under any contract. I never received a printed bill for what the charges above the {$100.00} were and my online access to my account had been terminated as soon as I cancelled service. I called XXXX XXXX XXXX  times after that to request a copy of the billed amounts ( Phone logs were made available as validation ). 
I received nothing. I disputed the amount over the normal {$100.00} with my banking institution. XXXX XXXX was notified by my bank and after 2 months I received a letter from my bank validating that XXXX XXXX agreed the debt was not mine and I received a credit for the total amount disputed. 

Since then, Diversified Adjustment Service , Inc. has purchased the amount that I was awarded from my banking institution, as debt I owe XXXX XXXX. I notified Diversified of the dispute and letter from my bank and sent them a copy. They have not stopped trying to collect the debt. I also notified them I have still not received validation of what XXXX XXXX was charging me for ; Diversified sent me a paper copy of a XXXX XXXX Bill with just a $ amount and no breakdown of what the charged amount was for. I reached out again to remind them of the disputed debt with XXXX XXXX that XXXX XXXX agreed was not mine and that the verification of debt was not completed without a detail of what the debt entails. They are still continuing debt collection, well aware that a federally insured bank and XXXX XXXX have validated this debt as not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. National Credit Systems , Inc have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
If you can not provide any agreement between us from this day XX/XX/2023 forward, you agree to pay my fee of XXXX usd for contacting me without my written consent. I will also file harassment and identity theft charges. 
Please delete this account immediately from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
in accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, # XXXX, # XXXX has violated my rights. 

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

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 2017-05-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this will be an update to my  CFPB/Regulatory Case Number  :  XXXX  dated      XXXX   XXXX   2017.    I have repeatedly tried to get the deed-in-lieu of foreclosure documents from  Bayview Loan Servicing LLC.  to allow me to start the process.   on   XX/XX/XXXX ,  I receive a  XXXX  mail asking me to start the deed-in-lieu documentation ; NO Documents were included to start the process. I have asked verbally to  XXXX   XXXX   XXXX  for the documents, for three weeks thru   XX/XX/XXXX , I have writt en to Bayview,  XXXX   XXXX   XXXX  and his manager  XXXX   XXXX   XXXX , on   XX/XX/XXXX  and  XX/XX/XXXX   via USPS, asking for written confirmation of receipt of these letters. No confirmation was received to either.   Finally on   XX/XX/XXXX  I r eceive the correct blank documents from Bayview, I have the coverdoc. from  XXXX .   next day   XXXX / XXXX /2017 I t ook the completed docs to  XXXX , at mid-afternoon EST, the fax machine at  Bayview, was inoperable, within the time suggested by Bayview  :  XXXX  thru  XXXX  MST. Sat   XXXX   XXXX   / XXXX /17 I  returned to scan the docs to a  USB drive,   returned home and emailed the nine pages ( as attachment  ) to    XXXX  XXXX  XXXX . the email never arrived. Wednesday   XX/XX/XXXX , I re-sent the same em ail with attachments to  XXXX   XXXX  and  XXXX   XXXX , consumer advocate a t Bayview. I have no email confirmation from Bayview. Toda  y  XX/XX/XXXX  I rece ive notice my application for deed-in-lieu process, is too late to delay the  Sh  eriff 's sale. Please ask Bayview a nd  XXXX   XXXX , about the three week delay in   XX/XX/XXXX , a nd now it is too late!?   I am very disappointed by the lack of professionalism, and very slow communication by Bayview and  XXXX   XXXX .

Company response to consumer: Closed with explanation