BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-07-15
Company: Worldwide Processing Group, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I originally submitted a complaint on XX/XX/XXXX  in which I which never received a response from the complaint. The case # is  XXXX  and  XXXX .
On  XX/XX/XXXX  I contacted CFPB and I spoke to a representative about this issue and she indicated this case was sent to the Federal Trade Commission and I needed to contact them. I called them and they stated to call back to CFPB as they needed to handle this issue. I called CFPB again and they advise to send the complaint again as this was a misunderstanding.This is about a payday loan I took back in  XX/XX/XXXX in which I pay cash and the company close down and now FMR-Forward Movement Recovery  XX/XX/XXXX   XX/XX/XXXX New York  XX/XX/XXXX phone  XX/XX/XXXX  is continuing calling me being rude and even indicating hey new about my son which I did not know what they meant. Also, they keep calling my sister in Florida as it was the contact person I put on the application when I apply for the loan. I and my sister are having issues because she wants those people to stop calling her.I am  XX/XX/XXXX  years old and I need your help to solve this problem. Unfortunately, the store I took the loan with was closed years ago and it was a pawn shop and I do n't remember the name. I do n't think the people who are calling me know the name either. I hope this time you can respond to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my consumer Reports and noticed I had 16 late payments on an account that I was never late for Consumer Reporting agencies have assured a vital role and have responsibility to report consumer information to their best ability with maximum accuracy I have never been late on payments for the account XXXX XXXX XXXX Account Number ( XXXX ). Please investigate and provide proof with statements showing these payment were late. If proof can't be provided I demand these payments be updated to be on time or NEVER late. Thanks

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 2017-07-15
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, I owed Home Depot for a credit line of {$1400.00}. By XX/XX/XXXX, I paid the amount off in full as my last payment was {$250.00}. After making all payments, The Home Depot sold account number XXXX to XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX obtained a judgment against me in XXXX County, Kansas court XXXX. During that time, I made additional payments by check not aware this was regarding my Home Depot Account ending in XXXX. XX/XX/XXXX, I sold my home and the {$2300.00} judgement was held back from my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid XXXX as they also collected money on an account they never should had purchased from Home Depot. I 've been writing and requesting for the return and interest as XXXX XXXX XXXX and XXXX refuse to resolve my claim.
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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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have settled with this company to make monthly payment and debt is almost settled but its not showing with transunion and XXXX says they have contacted 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX., has violated my rights. opened XX/XX/2022 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 1666B : A credi
tor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account open as an error from the store, they I applied for XXXX card and now I have XXXX  cards for the same store, and I cant put on automatic debit, this card does not even appear in my store dashboard, I spoke to the manager he told me to be able to remove the late payment he needs to close the 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
Consumer complaint received 2017-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Bank of America had not sent my updated bank information to  XXXX  so that I could receive my funds

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 2017-03-09
Company: GMA Investments, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have been receiving calls threatening to send officers to my work or home, asking to speak to my supervisor so they can notify them of my situation, asking to speak to my supervisors so they can inform them they will be coming to the office to enforce legal action on me, and threatening arrest and lawsuits. I told them to stop calling my work and family and that I would meet them at my house to receive the papers they said were being served. I even gave them my home address and phone number, which I do n't think they wrote down. They eventually interrupted me when I was giving directions and said they know where it 's at. The calls stopped for a while. No one came to my house. I even took some time off work to meet them during the time frame they provided. 

My sister and mother have also received calls from someone claiming to be some sort of subpoena server and that he is trying to locate me because I 'm in a lot of trouble over a debt and that they need to find me to enforce legal action. 

Today I received a call at work on our main line that anyone can answer. It was from XXXX XXXX. He stated he had orders to serve me and would be coming by my place of employment to enforce legal action. He told me if I wanted to avoid this to call XXXX. 

I have received messages on my phone from XXXX XXXX ( and others who do n't leave a name ) w/ Summit Receivables XXXX stating I should have received a letter in the mail and to call them to avoid legal action. 

I do n't know where the original debt occurred. They ca n't tell me anything but the final bill/offer. They say they have none of that information because they 're not with the debtor company ; they are law enforcement. They are n't with the debt company, but they can transfer me to someone so that I can pay the bill in full and avoid legal action. 

I 've been scammed before and this feels like an effort to collect a debt that I 've already paid. I ca n't find anything on my credit report to verify this debt. This group has harassed me with legal action twice now and I want it to stop. I ca n't do anything to pay my debt if I 'm suspended for personal, disruptive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TENET HEALTHCARE CORPORATION
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed XXXX and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems XXXX XXXX. Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either XXXX. They say that it was last reported XXXX 2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XXXX 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}

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 2020-04-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I paid off XXXX XXXX XXXXXXXX. And Experian lowered my score. 

I still see old info from XXXX XXXX that I have not made payments. XXXX! It is paid off! Title is in there as proof!

Experian lowered my scores many times lately. 

Experian accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. Experian accused me for not paying anything. 

Experian so lowered my score after EXPERIAN SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then Experian lowered my scores way down! XXXX 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 2023-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax are in violation of 15 USC 1681 ( a ) ( 2 ) ( i ) I never gave oral or written consent to publish such information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2500.00}

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 2017-03-23
Company: JPMORGAN CHASE & CO.
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Over the past couple months Chase repeatedly contacted my father about the supposed debt I owe. My father contacted me and asked why Chase was trying to get him to pay the bill when my Chase account was never linked to my fathers. He did have an account with Chase but he closed it, in good standing, years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XXXX college send me to collections, after having a payment arrangement with them. half of the money was paid and I had payment scheduled for pay off. When the school without previous notice send me to collections and the amount owed now is doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This lease in question American Honda Finance Account # XXXX. Is reporting 30 days late in XX/XX/2020 and XX/XX/2020. In XXXX I was sick with XXXX I was unable to call to defer the payments but as soon as I was well enough I paid it right away. Unfortunately due to Covid-19 my payment was late in XX/XX/2020 I tried deferring the payments to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX I received an Amazon/Chase Bank credit card in the mail with a {$6500.00} limit ready to be used after I would call to verify the card, I did not request or sign up for this card I do not do any business with Chase or Amazon and never have. I checked my credit inquiries and see there was a Chase bank inquiry done on XX/XX/XXXX that was not from me so I suspect fraud, it is marked as a hard inquiry and would like it off my credit especially since I have not has a hard inquiry since XXXX XXXX. I called the phone number on the card from Chase to close the account, the initial person on the phone after telling them I had suspected fraud was trying to convince me to keep the Amazon/Chase card and was telling me all about its benefits, I told them no thanks just close it, they quickly said ok and basically hung up on me, after another call later in the day yesterday XX/XX/XXXX I spoke to someone else to make sure it was closed and they said it was. The odd thing about the second call to Chase since I have never done any business with them is they had asked to verify my mothers name to verify it was me on the phone, I gave them my mothers maiden and they said that was correct. I am not sure how they would have or know that since the only answer to that question I have ever given to is my other bank card, with XXXX XXXX XXXX XXXX and on my XXXX account I use for credit reports/taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Please correct or delete the following : 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 2023-03-08
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: 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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX XXXX Balance {$37000.00}.

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