BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted Transunion several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Transunion to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Transunion. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Transunion that XXXX accounts can not be disputed though Transunion and is not Transunion 's policy to investigate fraud on a report. 

I told the representative at Transunion i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.

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 2023-08-14
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

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 2020-06-16
Company: Student Loan Financial Assistance
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a call from SLFA ( Student Loan Financial Assistance ) who stared they could take over my defaulted loan and lower my payment. They laid out a payment plan that would work for me and asked me to send in document to get everything started. They indicated that I was accepted into the program and asked for the first payment of XXXX which they automatically took out of my account and said my first payment would be due in XXXX. They also stated an advisor would contact me. I havent heard anything since although Ive attempted to contact them multiple times via phone and email. I saved the emails that I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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 called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible.Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$280.00}.

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 2020-06-16
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: Information belongs to someone else

Complaint:
In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
5th Request. Please be advised!! Ive sent in multiple dispute letters to XXXX XXXX and XXXX XXXX in reference to Southwest recovery account not belong to me being fraudulent. All disputes have been ignored. With the last complaint being sent in on XX/XX/XXXX and Southwest Recoverystated it was their first time hearing of this complaint which is lies please see attached FTC report from XXXX XXXX. Which is way over 45 days legally so now theyre saying theyre doing investigation again this is against the FCRA. Ive never done business or entered into a written contract with this business and I am requesting that they delete this fraudulent account from my credit file now today. I also have proof where letters were sent into the credit bureaus on XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XXXX XXXX so being that Southwest recovery is still investigating I will be called contacting my attorney and following a complaint with the attorney generals office

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom It May Concern, I am writing to file a complaint against TransUnion, a credit reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/23, I filed an identity theft claim with TransUnion and requested that they block any fraudulent accounts or inquiries related to the identity theft from appearing on my consumer report. However, despite federal law requiring credit reporting agencies to block fraudulent information within four business days of a consumer 's request, TransUnion representatives ( XXXX through text message, XXXX XXXX, and XXXX XXXX on XX/XX/23 at around XXXX XXXX XXXXXXXX ) advised me to wait 30 days for the dispute to be resolved. 

This delay in blocking the fraudulent accounts on my report has caused significant harm to my credit and financial standing, and I believe that TransUnion 's actions have violated my rights under the FCRA. 

I have attempted to rectify this issue with TransUnion, but their representatives have been unhelpful and have failed to comply with federal law. As such, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA and promptly blocks any fraudulent information from my consumer report. 

Please let me know if you require any additional information from me regarding this matter. Thank you for your attention to this issue.

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 2023-07-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with XXXX XXXX has violated my rights. 

15 USC 168 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

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 2023-08-17
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-07-09
Company: TIDEWATER FINANCE COMPANY, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been trying since since the beginning of the year to get my payments lowered due to financial hardships and this company refuses. I communicate via phone and email and they would always say they havent talked to me when they have. 
Now when i look on my credit report they are reporting twice under two different names when they are the same company to keep lowering my score and i do not have a vehicle loan with two companies. Something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Upgrade, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upgrade has refused my debt verification letter. They won't respond to me about it. I sent it to them once a month once I found out they were trying to collect money from me. There is no contract that I've signed where they are a lender. Upgrade is self-described as " a loan marketplace. '' A loan marketplace is like a Lending Tree. There is no note or Truth in Lending with Upgrade. Upgrade is misrepresenting dates in emails they keep sending me, despite me asking them not to in the debt verification letter. They are threatening to ruin my credit for 7 years with a charge off on XX/XX/2022, but then send me another one to schedule a payment for XX/XX/2022. This loan they are referring to is with a XXXX XXXX XXXX However, it seems Upgrade is a non-bank entity that is making loans for XXXX XXXX Bank, with undesirable terms that are not offered by Upgrade. I have XXXX borrower agreements, one states the jurisdiction in New Jersey, and the other says XXXX California. Nowhere is Upgrade defined as any kind of servicer. They are not a company owned by XXXX XXXX Bank that I can find. If they are, we have a much larger problem. The name of this company is not even really Upgrade. In the agreements, Upgrade is defined as a platform and a marketplace as a XXXX of XXXX XXXX. Upgrade states they are their own corporation, so I don't understand them being a XXXX. This appears to be a rent-a-bank money laundering scheme or pyramid scheme. Those are the words of the CA XXXX, and he stated this is illegal in CA. The jurisdiction listed as CA won't work. They won't stop calling me also. Over and over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-27
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent {$300.00} to a friend through the transfer service she couldn't get it. I did this in XXXX, tgey said after 14 days i would get my money back i never received it. I've had been messaging customers service they said not to worry. Being on Social Security is not easy to lose {$300.00}. Plus i had to pay that and ny regular payment tobthe same person the next month. I have since stopped using Chime Bank and transferred my direct deposit to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: SC
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:
I have updated information for the complaint with EXPERIAN. I have attached a screenshot of EXPERIAN stating that they are not able to provide me access to my consumer report electronically. Pursuant to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681h ( b ) ( 1 ) ( B ) ( i ) I have a right to receive my consumer report according to my specified written instructions. I have specified in writing to EXPERIAN to provide me access to my consumer report electronically. By denying me access to my consumer report electronically it violates my right to receive my consumer report the best way for me. I am requesting a direct electronic link from EXPERIAN to receive my consumer report electronically. Thank 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 2020-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX ; The people at your agency closed the complaint, claim that Bank of America responded but you never bothered to send me their response. Calling you " XXXX  '' would be insulting to XXXX, because they are smarter than you are. What was the response? Bank of America 's gross negligence was largely responsible for the loss of {$120000.00}.

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 2020-06-16
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer Collection Management, Inc. | XXXX. XXXX  XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX toll free : XXXX | XXXX Trying to collect more then owned to original debtor Acc # XXXX Original {$1400.00} They trying to collect {$1800.00} My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Send me to collection after they offered to increase my monthly payment from {$150.00} to more right after I got unemployed furloughed due to Covid -19 .And they sold me to collection for {$400.00} more Shameful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
- XX/XX/XXXX, I received a collection notice from Account Management Services ( AMS ) in behalf of XXXX XXXX XXXX. 
- Reached out to XXXX XXXX - Account XXXX on file, to explain that the amount claimed on the collection is already paid even before the collection letter date. Requested details of the collection amount for verification. 
- On XX/XX/XXXX, details of the account based on an invoice copy was sent to me. 
- Spoke with Account XXXX again to state that the account in question have been settled. We agreed for me to send proof of payment. 
- On XX/XX/XXXX, email was sent to XXXX with the attached copy of the checks paid, which totals the complete amount stated in the collection. Also submitted a copy of the the last invoice showing proof of that the full amount has been cleared as of XX/XX/XXXX. 
- Since XX/XX/XXXX until XX/XX/XXXX, no further communication was made to the contrary from XXXX invalidating my submitted documentation or seeking further documentation or seeking for payment for any unpaid collection. 
- Furthermore, succeeding invoices from XXXX XXXX likewise shows no balance reflecting the amount being collected. 
- On XX/XX/XXXX, I receive a collection letter from AMS seeking payment for the same amount that was already been established as paid more than 3 years ago. 
- I called up AMS to seek clarification and initial spoke with a certain XXXX who was covering for XXXX XXXX, reported that XXXX is not in the office and will not return until Tuesday - XX/XX/XXXX. He suggested that I call again on Tuesday. 
- About XXXX after speaking with XXXX, XXXX called me up at around XXXXXXXX XXXX. 
- I asked XXXX for clarification on the collection letter once again. 
- She claims that I have not paid that amount and insist that the amount was for a different or new billing invoice. 
- I asked for details of the " new '' bill they claim I have incurred, but she is unable to provide me the details. 
- I have not used the services of XXXX XXXX XXXX since XXXX as I have move to a different service provider and would like to validate the claim on the new bill. 
- Despite my failed attempt to understand what I was being requested to pay, I decide to formalize my request by registered mail on XX/XX/XXXX. 
- I also emailed the same request to XXXX XXXX - Account XXXX in charge. 
- Little did I know that the account have already been reported to the credit bureaus. 
- I filed a dispute against XXXX through XXXX on XX/XX/XXXX for failure to provide me with details of the account being collected as well as the lack of communication and transparency to sincerely resolve the issue. 
- My rights under the Fair Debt Collection Practices Act ( FDCPA ) was completely ignored. 
- My credit score have been unfairly impacted by the shady business practice of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief