BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX area . It was a non contract month to month membership that could be cancelled at any time. I informed management that I would be moving to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. I am nearly XXXX miles away from any XXXX XXXX XXXXXXXX facilities and am a member at XXXX XXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never incured debt with XXXX XXXX XXXX XXXXXXXX XXXX I have disputed this successfully with both XXXX and XXXX ; however, for some reason they are still on my Trans Union report . 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX it would make it WELL beyond statute for both unsecured open ended debt of 4 years as well as secured and written closed debt of 6 years.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/13 and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
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:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

AL XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX 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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Transunion, Despite the fact I have mailed letter showing my balance and the company I have credit with has notified them they continue to report the incorrect information XXXX XXXX MY BALANCE IS {$180.00} Transunion as repeatedly reported {$310.00} I am so stressed out and if not resolved will get a lawyer these people should not be allowed to control the XXXX XXXX XXXX credit in there hands. The government needs to shut it done You fix one thing and they add something else, its like a radar they try to keep ppl in poverty when they see you improving. 

My original bal XXXX payments monthly XXXX dollars Transunion show 16 payments how could they even think the balance they show on report is correct. 

My balance is 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 2023-11-19
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023, I applied for the SAVE IDR plan on myfedloan.gov. I was approved for this plan at a $ XXXX monthly payment and my information was sent to MOHELA. 

On XX/XX/2023, I was placed on an " Administrative Forbearance '' by MOHELA. MOHELA has not placed me on the SAVE plan and has not provided any reason for not putting me on it. Interest has continued to accrue on all of my loans, despite the fact that I am qualified for the SAVE plan and this interest should not be accruing.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
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:
Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies XXXX, Equifax, and XXXX and XXXX. After the investigation into the disputed information, XXXX, XXXX and Equifax deleted disputed unverified information from XXXX. 

After my children were XXXX XXXX XXXX XXXX, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Rejection XXXX Need to Be Tracked Obsessed with attacking my African American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXX XXXX , then an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX XXXX XXXX XXXX - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: Revenue Assurance Professionals LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Revenue Assurance Professional via phone to resolve the matter of the debt, I asked the agent could they take a settlement amount that was less the amount I owed and she stated that their client dont settle they only accept the full amount or either partial payments or monthly installments until amount is settled in full. I specifically told the agent that I can NOT make any arrangements or commit to anything and I would contact them at another time. Nevertheless, I recieved a letter in the mail stating that I made a promise to pay XXXX on XX/XX/2018. That is false information Ive never agreed to pay any amount to them, they are providing false information and violating my rights as a consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. 

When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. 

Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. 

The company that I paid for the debt was not the creditor listed but a company called XXXX, XXXX, and XXXX. To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. 

Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft last year in XX/XX/2022 when XXXX XXXX XXXX sent me statement in mail. I started working on it and I received XXXX more loan denial letters in mails from different lenders including XXXX. I contacted all of them and XXXX as well. All coordinated with me so effectively, efficiently and kindly BUT XXXX. XXXX every time gave me different information over the phone. I told them all the story and also that I've filed police report right after I received all those mails. I kept checking and all those credit removed from my credit report. I called XXXX and I asked how that transection successfully done, they told me that they charged initial payment with credit card ending XXXX. I told them that is not my credit card. I didn't find that credit card on my credit report as well. there was XXXX wrong phone number and employer information as well on my credit report that I disputed and got that removed. XXXX making me run around and they're not properly guiding me. Every time I contact them, I see that the person doesn't have proper information or doesn't even know what to do. Now every time i'm receiving amount due letters and finally Credit Collection Services letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX XXXX  with XXXX XXXX XXXX. My account has been under investigation for chargers I did not authorize. This investigation has been going on for close to 3 years. Recently I received some money from my school and I can not get this money because bank mobile is holding it for security reasons. I understand their concern. My issue is that I always call bank mobile asking for an update and each time Im always told that they will send me an email which most times I never get. I feel like they cant solve my problem so I want them to take the hold off my account so I can get what Im owed. About last week I received an email from bank mobile saying my access to my account was still restricted but in the same XXXX minutes got another email saying they took all the holds off my account and I now have full access. Called them and was yelled at by a supervisor named XXXX. He said my account is still locked because they only completed one case on my account. Then why and who sent the email? Was that a mistake on their end, were they lying or trying to calm me down for a minute. It seems to me this bank is unfit to provide accurate information to their customers. I was told they would call me back in XXXX hours, its a new week and no update and no calls. I feel like bank Mobile isnt trying to solve my issue and just want to hold my money as many other students have this same issue with them. I filed a complaint with another company and bank XXXX told them the reason they cant solve my case is because I never filed paper work which is true but then how come when I call thats never the reason why. They always say they will send an escalation to their higher ups and send me an email which they NEVER DO!! I want my money and I want it now stop the whole investigation what they can solve is giving me access to my account. They know its me calling them they know its me so why cant I just get access to get my money all I need to do is change my bank information. Any other bank would have been had this issue resolved.

Company response to consumer: In progress
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im disputing false or inaccurate information on my consumer file report with you, and I want you to carefully investigate and delete all false, incomplete, outdated, or unverifiable information related to my biographical information. This will help make sure you only have my correct information and will make identity theft or mixed file much less likely so thank you for only having the following on me. 

I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THIS INFORMATION IS REMOVED FROM MY CREDIT FILE.

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