BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I sent a letter to Transunion requesting that they remove inaccurate credit information from my credit report. In that letter I specifically requested that XXXX XXXX and XXXX XXXX be removed from my credit file. These two accounts are currently reporting a " XXXX Offs '' Tranunion followed up stating that the inccurate information was verified as accurate. I sent another letter XX/XX/XXXX asking that the information be removed and I recieved a response back stating account information is accurate dated XXXX. I sent another letter XXXX asking for method of verification and I recieved letter date XXXX which was a stall tactic letter stating that I didn't appear that I actually sent this letter as if a credit repair company sent the letter which is inaccurate. Transunion as violated the following laws and has caused me damages as a result to inaccruate reporting. Transunion has violated federal law under FCRA. 15USC1681 602 ( A ) 15USC1681 604 ( A ) section 2 15USC1681 ( s ) 2. A Charge Off, according to the IRS, The IRS considers any canceled or forgiven debt as income. 26 CFR 1.61 Gross income can not be reported on my consumer file only debt. A charge off means that both XXXX XXXX and XXXX XXXX filed these accounts as a loss with the IRS, therefore these tradeline need to be removed from my file which Transunion has failed to do so after multiple request.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is already been paid on full I ask them to deleted they refuse same as 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 2023-12-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I first phoned Resurgent Capital Services on XX/XX/XXXX at XXXX XXXX and spoke to a representative by the name of XXXX. I've requested an account summary report in which they did send to me. I also explained to XXXX that reference ID XXXX was dated back XX/XX/XXXX and that the account was either already paid or was taken care of during a previous bankruptcy. The account information is from XXXX XXXX  for merchant XXXX for the amount of {$430.00}. On their historical account information which is on the account summary report it states the original date with original creditor was XX/XX/XXXX and the charge-off date was XX/XX/XXXXXXXX XXXX XXXX Resurgent Capital Services received information from XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX I also explained to XXXX that the charge was over 15 years ago and I should not be bothered. 

Today XX/XX/XXXXXXXX XXXX XXXX I received an email from XXXX stating that I need to take care of my outstanding balance. They are a debt collector and they are attempting to collect a debt from me. The XXXX account number is : XXXX for the same amount of {$430.00}. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Attorney General, I hope this letter finds you well. I am writing to bring to your attention a concerning matter involving a violation of my consumer rights as stipulated under the United States Code ( USC ) consumer laws. I believe that a debt collection company has unjustly reported a negative item on my credit report, and I am seeking your assistance to address this situation. 

The violation in question pertains to the Fair Debt Collection Practices Act ( FDCPA ), as well as the Fair Credit Reporting Act ( FCRA ), both of which are integral components of the USC consumer laws designed to protect consumers from unfair and deceptive practices in the realm of debt collection and credit reporting. 

Under the FDCPA ( 15 USC 1692 ), debt collection agencies are prohibited from engaging in practices that are deemed abusive, unfair, or deceptive. This includes, but is not limited to, reporting inaccurate or incomplete information to credit reporting agencies, which can negatively impact a consumer 's creditworthiness and financial well-being. 

Furthermore, the FCRA ( 15 USC 1681 ) establishes guidelines for the accurate reporting of consumer information to credit reporting agencies. It ensures that consumers have the right to dispute inaccurate information and that credit reporting agencies must investigate such disputes within a reasonable timeframe. 

Regrettably, I have recently discovered that a debt collection company has reported a negative item on my credit report related to a debt that I believe is either inaccurate or not in accordance with the aforementioned laws. I have taken the necessary steps to dispute this inaccurate information with both the credit reporting agency and the debt collection company itself. However, despite my efforts, the negative item remains on my credit report, casting a shadow over my creditworthiness and financial reputation. 

I am seeking your intervention and assistance in rectifying this situation. I believe that the actions of the debt collection company are in violation of my consumer rights under the FDCPA and the FCRA. I kindly request that your office investigate this matter and take appropriate action to ensure that my consumer rights are upheld and that any inaccuracies on my credit report are corrected in a timely manner. 

I am willing to provide any necessary documentation and evidence to support my case. Your support and involvement in this matter would not only help rectify the situation in my personal case but also contribute to upholding the principles of consumer protection and fairness enshrined in the USC consumer laws. To be clear, I was never informed of owing this debt. I would like for this collection to be removed from my credit report expodiosuly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, My name is XXXX XXXX and I've recently opened an account with Citi Bank. Upon opening the account and transferring funds from my self employment business banking that is under my name as well as 2 paychecks that were deposited shortly afterwards. I have not been able to use my account at all. They keep saying its for verification process but I have continuously provided all they requested yet still get the same results. There famous words We can't identify you so we cant help you. This has been going on for over 2 month now if not longer.

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 2021-06-25
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SPECIALIZED LOAN SERVICING HAS FAILED TO VERIFY THIS ALLEGED DEBT, BY COMMITTING CRIMINAL ACTS OF FORGERY AND ALTERING DOCUMENTS TO COLLECT AN UNJUST ENRICHMENT.

NUMEROUS REQUESTS TO PROVIDE A CERTIFIED COPY OF ORIGINAL NOTE/ HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT HAVE NOT BEEN PROVIDED, SPECIALIZE LOAN SERVICING RESPONDS BY SENDING INFORMATION THAT DOES NOT PERTAIN TO REQUEST AND AVOIDS THE REAL ISSUE SPECIALIZED LOAN SERVICING CONTINUES TO INFLATE ALLEGED BALANCE BY ADDING UNJUSTIFIED AMOUNTS THAT THEY HAVE NOT PROVEN THE RIGHT TO DO SO.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
Ive been trying to dispute this account several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. 
XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00}

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 2023-02-15
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: Account status incorrect

Complaint:
XXXXXXXX XXXX  purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of 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 2023-02-17
Company: EQUIFAX, INC.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXXXXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage XXXX XXXX XXXX XXXX Tx XXXX are not provide homeowners with prompt, regular, and accurate information about their mortgage loans statements before XX/XX/XXXXbsince the life of the loan beginning XX/XX/XXXX. Under the new federal rule, which went into effect on XX/XX/XXXX, mortgage servicers must send monthly statements ( there are some exceptions ) that contain detailed information about your payment, delinquency, and who to contact for questions. I have called three times regarding statements not being sent timely. I have to waste printer paper and ink to print my payment coupon. The also have a pending class action suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A false charge appeared on my card. Citi denied my claim, but did not follow the requirements of the Fair Credit Billing Act in doing so. 

The Fair Credit Billing Act requires : 1. That Citi " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Citt 2. The act also requires Citi to provide me with evidence. Despite my written request, this was not done 3. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. 

I wrote to Citi about this on XX/XX/XXXX ( letter attached ) but my letter was ignored

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$150.00}.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
My credit score has decreased and shows a random account owing when all my accounts are taken care of. I dont understand where the money has been taken from.

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 2023-09-07
Company: P&B Capital Group, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
P & B Capital Group received verification of debt regarding an account reporting on my credit report that I do not have any knowledge of. Please see the attached documents that were mailed to the creditor inquiring about the account. Creditor did not respond back verifying debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from XXXX dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up XXXX complaints regarding the following issue. I had contacted XXXX requesting XXXX relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to XXXX that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with XXXX because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an Executive representative by the name XXXX XXXX He assisted me in opening up XXXX cases regarding the late fees and payments that were on my account at the time. My credit report shows XXXX days late and that is absolutely not true. I wrote to XXXX showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from XXXX that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the XXXX relief and that it was XXXX that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called XXXX. I will gladly send the log to the Attorney Generals ' office or anyone office. This is impacting my life horribly.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-07-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been paying on a car with US AUTO SALES for 2 years, and the money has not been going towards my loan. Im disputing this money and requesting it back.

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 2023-05-16
Company: COMMERCE BANK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
In regards to XXXX that Commerce filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year as if it accrued in a single year. This is not correct representation/reporting. The referenced account has been open for about 10 years during which time the said balance accrued. Reporting it as a single year 2019 cancelled debt makes it seem unjustly as if all of the balance was accrued in 2019 and therefore cancelled debt applies to only that year-2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, On XX/XX/2022 I spent 5 hours trying to resolve an issue regarding a fraudulent payment. Serve is aware that Im being charged for a good I didnt receive and refuse to release my funds. These funds arent pending, theyre on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
I had a consumer loan for a XXXX XXXX XXXX. on or about XX/XX/XXXX I sold the car and its still showing up on my credit that I have the account and I do not.

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