BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Un authorities inquiries in 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 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 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 explanation
Consumer complaint received 2019-12-04
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: Information belongs to someone else

Complaint:
I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not authorize the companies in question or any other 3rd parties direct consent or access to my consumer reports. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because my right to privacy has been breached this has caused me emotional distress which is a crime pursuant to title 18. TRANSUNION is conspiring with the furnished companies in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached the Identity theft reports and fraud reports along with a copy of my identification. I will be sending this CFPB complaint along with all other documentation to the Attorney General as record that you, TRANSUNION, CEO and Registered Agent have been made aware of the laws you have broken, which are causing me a great deal of emotional distress. 

( Excerpt from Affidavit of Truth sent to Transunion )

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 2022-09-16
Company: Selene Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My three requests for the XX/XX/2022 statement have not been fulfilled leading me to think a statement was not prepared at all, since I have not received it. Please either confirm that you did not generate a statement with a payment due date of XX/XX/2022 or forward the statement. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: North American Credit Services
State: MD
Product: Credit reporting 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:
Recently I accessed my free credit report from XXXX. In the inquiries section, there was an account review inquiry I did not recognize from a company called " XXXX, XXXX '', dated XX/XX/XXXX of this year, with the request originator listed as " XXXX XXXX XXXX '', which is I hospital I have previously accessed and paid my debt in full on XX/XX/XXXX without the account ever being sent to collections, however upon calling them and asking why they accessed my credit report without my permission I was told that not only have they never heard of XXXX but that they do not have the ability to access anybody 's credit information. On XX/XX/XXXX I contacted XXXX directly to ask why they accessed my information without my permission. On XX/XX/XXXX they sent a letter stating the following, which I received shortly after : [ see attached letter for statement ] There is a lie in that statement ; I do not have any existing account with North American Credit Services, which I will proceed to refer to as " NACS '' for brevity. I attempted to call NACS and left a voicemail asking them to explain why they are attempting to access my account but they never called me back. Upon looking into this company, I have come to discover that it is a medical debt collection agency, which further proves that this is fraud as I do not have any collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal prominently advertises its purchase protection service for instances when a buyer does not receive the item for which they paid. On XX/XX/2023, I purchased a smart phone for {$800.00} from a private seller on the mobile phone XXXX XXXX, induced by Paypal 's purchase protection promises. When the seller 's shipping partner misdirected the package and the seller refused to provide a refund, I requested that Paypal make good on its purchase protection promise. However, in case # XXXXXXXX, after a cursory inquiry in which Paypal refused to review my evidence, Paypal summarily closed out the inquiry and refused to provide purchase protection on the basis that the seller had shipped the item ( which is true, but ignores the fact that the seller 's shipping vendor misdirected the package such that I never received it ). Specifically, I have documented correspondence directly with USPS Consumer Affairs confirming that USPS mistakenly misdirected the package and apologizing for the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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:
I have paid off XXXX  XXXX XXXX  thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company on XX/XX/21 after seeing this listed on my credit report and told them that I did not have a XXXX account. They told me that I made the calls and that my number was used. I explained that XXXX  did not approve me for a phone and I used XXXX XXXX for services for the past few years. 

XXXX currently owns XXXX and I only had a XXXX account and not XXXX. I asked them to send the credit application from XXXX or documentation that this is not fraud and they told me they were not required too send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I was reviewing my credit report and noticed multiple unauthorized inaccurate inquiries. I have no knowledge of where these inquiries came from and never gave anybody permission to access my credit report. I also understand that these inquiries are in violation of my consumer rights. In accordance with 15 us c 1692b i have the right to privacy and for these items to be furnished on my report requires my express authorization. I am asking that these items are removed from my credit report and stop violating my consumer right to privacy. There is no certifiable evidence that can verify these inquiries so therefore in accordance to 15 us c 1681section 604 of the Fair Credit Reporting Act you must remove these unauthorized inquiries from my credit report lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided. 

XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
disputed for an amount of XXXX XXXX company. The collection is reported even though this account was closed, paid and equipment returned. No OTHER ACCOUTS BELONGs TO ME with this company.

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 2021-10-08
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


In regards to the following accounts on credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a private loan that has interest of 6 %. During the time that I am in school I am required to make payments on the interest that builds every month. On  XXXX   XXXX     2017 I r eceived a billing statement that said I owed  XXXX  due by  XXXX   XXXX     2017. I  paid this amount on  XXXX   XXXX     2017 wi th the understanding that this amount was the interest that I would owe for the billing period. On  XXXX   XXXX     2017 I   received a billing statement that said I owe  XXXX  due by  XXXX   XXXX     2017.  On  XXXX   XXXX     2017  I called the company. They say that the amount I paid in   XX/XX/XXXX  wa s applied to principal instead of paying off the interest. I was literally told that I should not pay my bill so early. It is to my understanding that the amount that is posted that I owe is my interest payment and will be applied only to interest unless I choose to pay more than the amount on the billing statement. I was also under the impression that it should not matter when I pay my amount due as long as I make the payment before the due date and after receiving the statement. It is specified in my original loan agreement that I will only make interest payments during the time that I am in school unless I choose to do otherwise and that the amount I will be billed for will only be the interest. The money that I am paying each month is not going towards my interest and I am being forced to pay more each month because I am paying my bill before the exact due date. All loans were transferred by   XXXX   XXXX   XXXX   XXXX    to this  new   XXXX   XXXX  company.   Since the loans were transferred I have had nothing but problems and when trying to get them fixed you go through circles calling over and over again with no help from customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent multiple letters asking for verification of this debt. I currently have services with XXXX who Convergent is seeking payment for which doesnt make sense how i will have services but owe this huge amount. I have contacted the company numerous of times to get them to fix the amount owed and they continuously send me a bill that i don't remember and a bill showing a past due amount but not showing me where this information came from. I sent a letter for method of verification and i am not getting what i need.

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 2022-05-15
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
New american funding has handled my entire loan modification unprofessionally. They said it takes up to 60 days to process but it took longer because their staff is unprofessional, unorganized and unethical. I have been stressed beyond measure because I can not get a payoff quote to sale my house. There customer service reps are all untrained and give different info depending on who you speak with. Supervisors are never available and its impossible to speak with a manager. My issue has been escalated for 3 months and this company has done nothing but slow the process and make mistake after mistake.

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 2022-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has violated my rights to proper verify the alleged debt, regarding account # XXXX and account # XXXX, account # XXXX. on XX/XX/XXXX i requested Portfolio Recovery to request for validation, and they just sent me a bunch of old statements. i will attached the copy of the letter and the certified tracking mail. and continued to report this alleged debt to the credit bureaus and calling me everyday. 
XXXX certified XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
The former XXXX account number is XXXX, and this account is reporting to my XXXX, XXXX, and Experian credit files. XXXX is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed two times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with XXXX was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how XXXX is currently reporting this account to the three credit bureaus. XXXX is reporting the charge off status date as XX/XX/XXXX on Experian and XXXX, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on XXXX report, and Legally Paid in Full for Less Than Full Balance on my Experian report. They are also reporting XXXX negative months on Experian, but only 7 negative months on XXXX and XXXX. See attached inconsistent account reporting information from credit reports. 

XXXX has continued to update this account negatively and inaccurately to the credit bureaus for 2 additional years after the account was paid in a settlement. XXXX sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that XXXX updated my account with late payments. XXXX has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions 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:
Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter #  XXXX . According to FC RA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from  the consumer credit file.   The United States Bankrup tcy Court DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personal id entifiable information reported.   However, credit bureau actively searches public records for any judgments and tax liens through third party research.

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 2017-05-09
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
furnished unverified account

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