BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I have been attempting to handle this matter with TransUnion since XX/XX/2022, as evident in prior documented CFPB complaints. I have been trying to reach out to them to rectify issues with some alleged accounts and suspicious addresses and phone numbers linked to my consumer reports. This matter is causing me significant financial harm as well as XXXX and XXXX XXXX, of which i had to seek XXXX. TranUnion has yet to provide a legal nor lawful response to my complaints. Further action will be taken if TransUnion does not comply and will be held liable for damages. Every response has either said verified or updated with no proof that the information has indeed been investigated. I am demanding that TransUnion provide documentation that proves I am LEGALLY obligated to pay anything to XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX 

TranUnion has 7 calendar days to provide such response or it will stand that TransUnion accepts that the alleged debts are not valid. Asking for more time and taking 60 days to respond is no longer acceptable!! Please verify, validate and document that i am LEGALLY obligated to pay these alleged debts. TransUnion coming back saying verified or updated does not constitute an appropriate legal nor lawful response. These accounts have been paid in full. 

Please delete the following accounts XXXX XXXX XXXX XXXX Mark the following accounts as paid in full and XXXX out the balance XXXX XXXX XXXX XXXX XXXX XXXX  ( ALL ) DEPT OF EDUCATIONXXXX 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 non-monetary relief
Consumer complaint received 2021-02-14
Company: Receivables Management Partners, LLC
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: Account information incorrect

Complaint:
I disputed a debt reported to XXXX as it is a medical debt reported as collections. It impacted my score by more than 70 points because it is not reported as the correct type of debt. The negative impact of the score has also impacted my ability to obtain a mortgage. I submitted a dispute and it was not removed or updated to the proper collection type. Additionally, I have submitted documentation for financial assistance to the facility this debt applies and I am awaiting approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a Condo in XX/XX/XXXX with XXXX financing. In XX/XX/XXXX, the complex sustain major fire that condemned my section due to asbestos spill and again in XX/XX/XXXX and displaced 50 % of the complex. In XX/XX/XXXX, I file an application with loss mitigation for 6 month forbearance on my payments. It was approved in XXXX. I have proof of approval via two letters by XXXX. In the months that my loan was in forbearance, XXXX reported to my credit report late payments for the months that my loan was in forbearance ruining my credit by over XXXX points which has cause stress and accounts to be closed. They have even send my loan to collections. I have contacted the XXXX for the last month asking them to fix this but nothing has been done as of now. I have that documentation to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

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 2021-03-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been a Paypal customer for at least 20 years and their customer service has often not been the best. They outsource most of their telephone customer service which means they deliberately make communication difficult. My long history with them appears to mean little. 

The problem is they placed a limitation on my account last week due to suspicious activity. I had made only two transactions in XXXX. One is a recurring debit for {$9.00}, and another was a payment to a merchant I had sent a payment to for {$3.00}. 

I find their suspicious activity claim to be dubious, so I attempted to ask them why. But because their service is so bad, and because they outsource their customer service to other countries when Americans need jobs, this usually does not help. It did not help this time either. They refused to tell me what the suspicious activity is, and demanded I send them a copy of my driver 's license. I offered to call in and verify information but they rudely refused. 

I tried one more time to get information and this time, they said they needed a copy of my driver 's license because of the Patriot Act. 

Are you confused because I am? Which one is it. Is it the Patriot Act or suspicious activity? I guess they figured that I was not going to believe the suspicious activity act they were putting on since there had been none ( only two transactions totaling {$12.00} to previously paid merchants ) so then they tried to use the Patriot Act as an excuse. Then the last representative rudely told me basically they did not care if I used the account or not but they would keep it locked down. How is that for bad customer service? They should win an award! Oh and then they closed the message thread so I could not reply. They should win two awards. 

Since they make it impossible to speak to someone in the USA, and since they refuse to tell me what is really going on with my account, and since they have been extremely difficult to deal with, I am filing this complaint. 

I will not be sending them a copy of anything just because they demand it if they are not even going to bother explaining why. I have been a customer since XXXX or XXXX and I could probably verify any information they needed over the phone like all my other credit cards do when there is suspicious activity. 

I think it would be great if you could investigate what is going on with Paypal and convince them that shipping jobs overseas is a bad idea. But most of all, I think it is great that I do not work for Paypal because I do not think I could do the things they do to customers and ship hundreds or thousands of jobs overseas and live with myself. I do not know how they do it. I would like to keep my Paypal account open but if they really do not want my business, I will have to think about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 2021-02-13
Company: EQUIFAX, INC.
State: OH
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 submitted my paperwork, and I have submitted now a second time. There are wrong addresses, names, accounts, etc. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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 fourth attempts to tell you that I am a victim of identity theft and I complain some specific records in my document that came about as erroneous. The records I am questioning are all inaccurate informations. No one cares about it, delete the inaccurate of any information in my credit record that came about due to an alleged fraud. These are the items that seems to be an error on my file that needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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 appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-14
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am a Consumer of the U.S. and anything Purchased with my credit card remains the obligation of the U.S. Pursuant to 15 USC 1601. I never gave consent to Penn Credit Corporation ( third party debt collector ) to obtain any of my information. This is a violation of my privacy and you are in violation. I never signed a contract with Penn Credit Corporation. Pursuant to 15 usc 1692b, a debt collector can not state that this is an attempt to collect a debt. You have again violated my consumer rights as protected by FDCPA. You have mailed my home at an inconvenient time Pursuant to 15 USC 1692c. You will be held criminally liable Pursuant to 15 usc 1640 and civilly liable for all violations Pursuant to 15 usc 1692k.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
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:
Disputed eastern account services with XXXX  this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We have completed our financing agreement for the purchase of our XXXX XXXX XXXX as of XX/XX/XXXX. Ally Financial claims we still owe them over {$2000.00}, but won't explain how they came to that amount. We had them send us a payment history copy attached, also attaching our sales contract and finance agreement. 
We paid {$48000.00} to Ally. The contract is {$48000.00}. XXXX  months, the finance charge paid to Ally {$13000.00} The contract total {$12000.00}.

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 explanation
Consumer complaint received 2021-09-16
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Hi my name is XXXX XXXX ( XXXX ) XXXX, and I received a direct deposit of {$10000.00} on my American Express Serve Prepaid card XX/XX/2021 from SBA.Gov Dept of treasury and I was able to access my funds that day only withdrawal {$750.00} from atm and transferred {$1000.00} to my card secondary savings account. Come XX/XX/2021 I tried to access my card via web at first it said temporarily closed, so then I called customer serve number on the back of the card XXXX spoke with a lady she act like she could not give me any info, so then she transferred me to a guy he said it seems I violated their card policy but could not tell me what the violation was!? So we got disconnected I called another number my mom found on XXXX got ahold of a rep explained issue and they put me back through the line to the number I called above, however this time a lady listened to me but told me it was nothing she could do on her end with, y account being closed, however I could write their corporate office and get my situation resolved in 7-10 business days after receipt of letter, asked what to put in the letter she was no help with that, and I told her ma'am how can they hold someone money and not give them access or no real explanation about and I stress that I felt they have scammed me! the lady gave me XXXX XXXX XXXX XXXX, Ga XXXX address to sent a letter. I talked to my mom and she told me to write a letter asking for release of my funds left in the account of {$8200.00} and that my funds was legit from the SBA Dept of Treasury and we included my card aact number, my ID, and all the paperwork from SBA showing proof funds were legit. The letter and all this was set same day XX/XX/2021 and tracking showed they received the letter XX/XX/2021 and now it is XX/XX/2021 and still no response back from the company, and now when I called they have all my access info blocked unless I call from another phone!? Please someone help me retrieve the rest of my funds!! I called SBA about said they was not able to retrieve the funds but encourage me to update my banking info in their system to stop further funds from going to that account and that I did hopefully in time!! 


( my address ) : XXXX XXXX XXXX XXXX, Tn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Turner Acceptance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Attached to this complaint there are multiple violations of Illinois law 1 accurate credit bureau reporting 2insurance involved when financing a car that turner acceptance requested the finance company does not mention as a lienholder XXXX XXXX XXXX and ove insurance I had XXXX XXXX XXXX XXXX XXXX proper treatment of contaminated fuel with the department of trnasportation that turner acceptance would not reposess via telephone call. Attached is a lawsuit I filed that turner acceptance XXXX XXXX and XXXX XXXX XXXX where parties and served.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MD
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX  : # XXXX 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 creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Resurgent Capital Services L.P.
State: NY
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:
LVNV Funding promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also XXXX XXXX  was settled and yet the company didnt update the account as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed my consumer report and notice inaccurate Personal information on the file. The inaccurate information needs to be updated and remove all information that is incorrect. 
Remember the Maximum Accuracy Under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
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:
XXXX as well as XXXX 2023 An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, Equifax and XXXX XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One Auto Finance is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items and refund amount paid Capital One Auto Finance has 15 days to provide me with refund, I will be filing form 211 treasury omb form to audit consumers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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