BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am XXXX that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. Other information I would like changed. Balance of the account is wrong. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

Please correct/update this inaccurate information on my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: DC
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:
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

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 2018-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed on my first new home on XX/XX/, and took a loan for {$690000.00} with a 6.5 % interest rate. This was an interest only mortgage. {$4900.00} was paid at closing. Of this amount, {$1300.00} went to Interest and {$3500.00} went to Escrow. 

On XX/XX/XXXX, my first mortgage payment was due and {$5500.00} was removed from my checking account on XXXXutopayment ( {$3700.00} of Interest and {$1700.00} to Escrow ). 

For whatever reason, the bank made an error and is saying they sent me back {$1700.00} and I still owe my XXXX mortgage payment and now my XXXX mortgage payment which was supposed to be auto-debited, and was not. 

Therefore, XXXX XXXX  has made multiple errors in this process : 1 ) Stole the money from my first mortgage payment, and is saying I didn't pay it ( even though they have records of my payment ), 2 ) Not auto-paying my 2nd mortgage payment or allowing me to make a 2nd mortgage payment and stating I owe 2 mortgage payments values, and XXXX ) The most critical thing to overcome is that XXXX XXXX filed a report with the Credit Bureau saying I missed my first mortgage payment, which is categorically false and this is the most important thing that must be resolved on their end. As my credit score dropped nearly XXXX points from XXXX XXXXXXXX XXXX  gross incompetence.

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 2023-05-21
Company: CL Holdings LLC
State: HI
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:
i cancelled an account with XXXX XXXX  10 times in XXXX  never received goods or services before or after XXXX, i have sent multiple emails to XXXX XXXX i tried using the pass once but it did not work have written to collection agency for XXXX XXXX stating the above i am getting mail from a 2nd debt collector Jefferson Capital dept XXXX XXXX XXXX XXXX, AL XXXX also received collection letters from XXXX XXXX statement date of original charge XX/XX/ for {$780.00} i have written to XXXXXXXX XXXX to dispute the charge. in response they sent me to a 2nd collection agency jefferson Capital address is above i have been disputing this charge by email and regular mail i have called XXXX XXXX and XXXX  to dispute the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, XX/XX/XXXX and Transunion multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX ( {$16000.00} ) XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX ( {$3500.00} ) XX/XX/XXXX XXXX XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them

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 2016-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I previously filed a complaint against credit reports from XXXX apartments for an amount they have put against my credit that I do not owe them. I attached many pages of backup, but want to attach these XXXX pages from them XXXX states at the bottom of the letter- " Federal law gives you 30 days after you receive this notice to dispute the validity of the debt or any portion of it. '' " If you dispute the validity of the debt or any portion of it in writing within 30 days from this notice, we will obtain and mail to you proof of the debt. '' Do THEY not have to comply with Federal law also? I disputed in writing several times. I was told I would receive receipts and pictures, which I never received. Since they did not comply with Federal law within 30 days, I believe this claim should be null and void. I will not be blackmailed into sending them money I do n't owe them and this erroneous entry on my credit report will prevent me from being able to rent in the future, unless it is removed.

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 2023-05-02
Company: CNG FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
To whom this may concern the following check and go account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to XXXX party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.

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 2018-08-21
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was applying for an installment loan online on XX/XX/2018 and called to speak to a rep. The loan was {$3200.00} and the payments were going to be about {$430.00} a month. I told the rep I could not afford the large payment amount and asked if they had a smaller loan. The rep said no but said they could give me a 50 % discount and said that someone would contact me to apply it. So I went ahead and processed the loan with that in mind. With a 50 % discount that would knock off a lot of interest and lower the payment. Well that's what I thought. Then no one ever contacted me to apply the discount, so I called the company about a week later and they said no, it's not a discount, it's a rebate after you pay the loan off. This was very misleading and I would not have signed up for the loan if I knew it was a rebate and not a discount because as I said to the rep I could not afford these high payments. The rep never said the words rebate. Rebate would have signified to me that I would get money back after the loan is paid off. But she said discount. Now the company is saying they can not give me the discount and I have to pay off the loan to get the rebate later. I was misled to apply for a loan that would offer a 50 % discount. This was faulty marketing to get me to sign up. The rep knew I could not afford the payment as is. Not even with the rebate which she never mentioned.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
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:
Reporting Agency- XXXX XXXX XXXX XXXX Experian XXXX Accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above unverified are fraudulently being reported on my credit reports that I have disputed several times with XXXX XXXX XXXX and Experian and each time they keep telling me that these accounts are verified. However none of mentioned credit bureaus could provide me the method or proof of the verification process. None of the above collection agencies have not sent me a copy of the original assignment nor a copy of the original contract signed by me and this is a violation of 15usc1692g of the FDCPA. As a federally protected consumer I have a right to verify the debt and bureaus are fraudulently reporting these accounts based solely on heresy and not first hand documentation or knowledge that the debts and accounts are mine.

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 2022-11-08
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpointe sent me a copy of their welcoming letter. Shellpoint states my loan was transferred to Shellpoint by XXXX. The letter is dated XX/XX/XXXX. XXXX XXXX was not not my previous loan servicing company. I told Shellpoint many times XXXXXXXX XXXX XXXX XXXX was my loan servicing company. Shellpoint ruined my credit for a late XXXX payment. I paid the XXXX payment to XXXX as I was told in writing by XXXXXXXX XXXX  XXXX XXXX. I asked many times for proof Shellpoint is my loan servicing company. XXXX was NOT my loan servicing company it was XXXX XXXX XXXX. Shellpoint knew this and yet continue to collect mortgage payments from me with misinformation. Shellpoint responded and said that they servicing company on a letter dated XX/XX/XXXX and mentioned the loan servicing company that was being transferred was from XXXX this is not accurate Shellpoint ruined my credit. XXXX ignored my many request to prove that they are servicing the loan company. XXXX sent me official notification that XXXX XXXX was my loan servicing company. Shellpoint saw the community notification but ignored it. 

Shell points response was that XXXX transferred the mortgage to them I advised them many times that community loan service was my service provider not XXXX Shellpoint also asked me to contact community loan service to prove that Shellpoint is my new loan provider. XXXX told me to pay XXXX XXXX in writing not to Shellpoint. 

Shellpoint sent a Copy of a letter that they say was sent on XX/XX/XXXX Shellpointe requested payment on XX/XX/XXXX. I told Shellpoint that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. 

Shellpoint ruined my credit. Shellpoint took mortgage payments without any proof that community transferred the loan to Shellpoint. Shellpoint didnt even provide me proof that XXXX XXXX transferred my loan to Shellpoint. I did not receive any letter from XXXX telling me to pay Shellpoint, because XXXX was not my loan servicing company. Shellpoint knew all this and still took my mortgage payments without any proof they are my loan servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing accounts of my Trans Union credit file for over 6 months, and still get the same generic answer when the results are furnished. I want these accounts removed as they are not my accounts.

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 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America have reported fraudulent activity on an account that I didn't open. I am being penalized for an account that I didn't open. My name is XXXX XXXX and the last four digits of my ssn is XXXX. There are other fraudulent accounts on my XXXX report that I want to be handled and dealt with accordingly.

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 2023-05-21
Company: Lockhart, Morris & Montgomery Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dont know anything about this debt, never received anything about it, I need dates, times, and services. I had insurance so I dont know how I had this problem unless its not mine. I NEED SOME SORT OF PROOF THAT IT IS MINE THATS ALL IVE BEEN ASKING FOR XXXX XXXX XXXX I NEED TO SEE THE PROOF OR REMOVE THIS XXXX FROM MY CREDIT REPORT ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter regarding an application for an XXXX XXXX XXXX XXXX ( letter attached ). My former address is on the letter. I did not submit an application of any credit card from Bank of America. I did contact Bank of America in writing ( USPS ) to advise that this is a fraudulent application.

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 2023-05-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I mailed a letter to LVNV Funding/Resurgent Capital referencing account XXXX. I requested full validation of this debt, proof that I am indeed the party they are asking to pay this debt, and proof there is some contractual obligation that is binding for me to pay it. I requested that LVNV Funding/Resurgent Capital stop contacting me by telephone and email and restrict their contact with me to writing only via postal mail to my current mailing address only when they can provide adequate validation of this debt. On XX/XX/2023, LVNV Funding/Resurgent Capital sent me an account summary which is not proof of ownership and the right to collect on the debt. LVNV Funding/Resurgent Capital communicated with me after a cease and desist was requested in the letter. LVNV Funding/Resurgent Capital failed to provide me with a purchase agreement that lets me know who has had ownership of the debt, how they can collect on the debt, and if they can sue for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the XXXX credit bureaus XXXX XXXX about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my XXXX XXXX. Additionally my XXXX charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 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 2020-09-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

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