BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Friday, XX/XX/2023, Transworld called my place of employment about a debt that I didn't even know about. I told them that I was not allowed to have any calls at work. 
I called them when I clocked out fir the day..spoke to a woman who seemingly mocked me throughout the call. I told her to never call my work number, I can lose my job..she put me on hold for about XXXX minutes then when she picked up the call again, she said that she would remove my work number. 
Today, Monday, XX/XX/XXXX, XXXX.Transworld called me at work again and started by telling the XXXX XXXX that this was an attempt to collect a debt. And asked for me..when I picked up the call it was a recording telling me that this was an attempt to collect a debt and to press one for whatever... 
If I lose my job for this {$600.00} debt that I didn't know existed until Friday... do I have the right to sue them for my wages up to my retirement age? 
Better yet, how do I get them to stop calling me at work and make them pay me {$1000.00} due to their harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Reporting Inaccurate information on my account ( wrong Balances ) on my status on 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 explanation
Consumer complaint received 2021-01-12
Company: Collection Professionals, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection professionals inc is trying to collect on a different payment contract for XXXX XXXX XXXX XXXX  of XXXX Wy. The contract states money is due when 2019 tax return comes in. With Covid 19 and all we have not gotten our taxes back yet and they filed with collection agency that has been given the contract and refuses to acknowledge the original contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}

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 2022-12-05
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Previous Claim # XXXX I received a message that you were unable to send the complaint to the credit card company, Way To Go, which issued the card for the State of Georgia. On closer examination, it is a XXXX issued by XXXX XXXX, headquartered in XXXX, TX. This address should be in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: PA
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:
My Equifax score shows up as N/A or not available. None or my credit cards are reporting to this credit bureau and I don't understand why. I contact Equifax directly they were no help at all. I would like for this matter to be resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: CL Holdings LLC
State: VA
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:
Debt occurred from identity theft and the collection company didn't even verify this account. XX/XX/2023. {$1000.00}, lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/XXXX {$1700.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Sent letter to company confirming the violations committed by saying I owe alleged debt

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For many years I have been trying to build my credit, and due to unfair reporting from Transunion and creditors, I have not been able to do so. Transunion also had my account locked for many years without my acknowlegement until this year after finding out. I keep having to dispute inaccurate loan amounts, addresses, and including the spelling of my name and etc. Transunion also kept inquiries on my account for many years that should have been removed.Within the last month I had applied for 2 rental properties that do tenant screening through Transunion. I was denied because of low resident score. From XXXX XXXX XXXX it dropped to XXXX from XXXX. I called both Transunion Call Center, and their rental XXXX XXXX XXXX and I was not given a good answer as to why it dropped so fast. I been renting for many years, and has not had any judements, leins, or etc against me.I do not have many deliquent accounts. I been having to dispute for months regarding XXXX XXXX XXXX XXXX reporting inaccurate loan amount due. Transunion would investigate and conclude that its update, even after I told them amounts paid. I have attached proof of payments at the bottom. THis is not the only one. XXXX XXXX XXXX XXXX who is own by XXXX XXXX XXXX has been doing the same as well.

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 2023-08-04
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: 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 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 2023-12-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Due to Identity theft and or Incorrect Reporting there are several addresses published on my credit report that I have not legally resided at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX, and I am submitting this complaint without error or any influence from a third party agency. Please see the following attached documentation and meet my requests in a timely manner. I have never authorized or gave written consent to any 3rd party to furnish my data with the following companies : XXXX XXXX XXXX XXXX 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 2021-12-21
Company: Experian Information Solutions Inc.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-13
Company: EQUIFAX, 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a payment for {$2.00} that returned from my bank. For NSF it was an honest mistake and I received a {$25.00} Returned Check fee. I called to see if I could get it waived as a courtesy. I have been in banking for many years and have never met a financial institution so stingy with refunding a {$25.00} fee. Literally, I am now left to pay XXXX more that my balance and minimum payment. I was rejected by a Cs agent then thought I could get someone with more authority to help me this one time..I 've never been late I have paid interest and on time. The next agent by the name of XXXX employee ID # XXXX. Attempted to dispute it for me. I have nothing to dispute I understand the reason why I received the fee l, I understand. As a customer I was asking for a courtesy waiver for an honest mistake on a {$2.00} payment. XXXX also tried to justify the denial or the reason for not waiving the fee as a this is a way of the bank generating revenue. By not appreciating their customers and having NO empathy ove a situation like this. He also made it VERY CLEAR that AT THE END OF THE DAY THIS WAS JUST A JOB to him meaning that Bread financial or commenity whatever they are XXXX no company values based on morality and that we customers are ONLY numbers and money signs to them. The business we bring them is not something they truly care about they have so many other customers that one little one like be with a little {$2.00} payment is going to leave the BROKE if they were to XXXX forbid refund a {$25.00} fee. WOW WOW. If that employee was in an escalated or escalations positionhe poorly represented this company but I assure you, I will never do business again and will let my family and friends know of the culture this company carries. This call was today XX/XX/23 @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX has a collection on my credit that was opened in XXXX and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on our refi mortgage on XX/XX/XXXX. {$740.00} was included in closing to pay our county property tax. On XX/XX/XXXX, I discovered the property tax had already been paid by our previous mortgage company. I contacted a contact at Chase right away with the information but never received a reply. I emailed again on XX/XX/XXXX with no response. I sent messages through Chase 's secure message site on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told to contact our county Trustee. He stated the refund had already been sent to 3rd party XXXX. I was told on XX/XX/XXXX by Chase employee XXXX that when Chase received the refund they could apply it to our first payment. On XX/XX/XXXX our county Trustee was told by XXXX that Chase would be issued our refund by XX/XX/XXXX. On XX/XX/XXXX XXXX told XXXX XXXX that Chase had received the refund. We reached out to Chase again via 3 different contacts on XX/XX/XXXX. We received one message back on XX/XX/XXXX that the refund would show on our account at Chase by XX/XX/XXXX. I contacted Chase on XX/XX/XXXX because the {$740.00} was not showing on our account. I was told by XXXX XXXX that Chase didn't have the refund at all and I should call the county trustee. On XX/XX/XXXX the county trustee was notified and checked again with his contact. On XX/XX/XXXX I spoke with Chase " executive '' XXXX XXXX. She told us Chase did not have and we needed to speak to the county trustee. We told her we did. She stated she would need 14 days for the tax department to review the refund. We asked why they didn't do that back when in XXXX. She told us that a discount credit we received ( like a coupon ) on closing might have affected it. We told her that was separate as that was a coupon for being a XXXX XXXX for closing costs. She told us she wasn't even sure we were due a refund but all she could tell us was it would take Chase 14 business days to review it. She also stated multiple times we were never told Chase had the refund even though we were. We went through 3 different contacts during the closing process as employees were always out of the office. We have had a different response from a different Chase employee every single message. We went through 2 different employees in the executive office due to people being out of office. This is an issue that has been pushed from employee to employee and we are the ones who are suffering and wasting an enormous amount of money on an oversight that shouldn't have occured before closing. Due to this interaction as well as some other " oversights '' during the loan process, we would NEVER recommend Chase to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
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: 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. XXXX, XXXX, and TransUnion are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
in XX/XX/2022 XXXX XXXX XXXX transferred our mortgage to SPS they said there are no changes but we get charged {$15.00} a month which isn't included in our budget. Unless we put in auto pay which we can't because our Social Security checks sometimes doesn't come in until past the due date. This company won't change the due date as we tried many times to ask, If XXXX says nothing has changed well we are getting charged {$15.00} more. We have never been late with our mortgage I'm not understanding why this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation