BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is not to complaint, but to inform XXXX XXXX XXXX, that my credit score as shown on my XXXX XXXX XXXX XXXX XXXX  Statement, a FICO Score 4 based in Trans Union data from XX/XX/2022, is incorrect. Just days after, on XX/XX/2022, Trans Union sent an official letter showing the results of their investigation, which is included here, along with the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, in which Trans Union, clearly changed this negative credit report damaging my credit, to a Paid as Agreed and Current Payment Status for my loan account with XXXX XXXX XXXX XXXX XXXX. or XXXX. : As the included as of today Docket Sheet document shows, I sued XXXX. for Fair Credit Reporting Act Violations, Fair Debt Collection Act Violations and Sex Discrimination. the same Lawsuit was not available for public view at the XXXX XXXX for XXXX XXXX XXXX but I am including my copy, marked as Received by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. No matter XXXX response is due next XX/XX/2022, the fact is the reporting credit bureau already changed the negative account to a positive account since XX/XX/2022, and it was reflected next day, XX/XX/2022. The FICO 4 Score shown at XXXX XXXX should be updated to reflect this change, because there is no recent delinquency like it shows on XX/XX/2022 at all, please see included Documents already at the United States District. Court for the District of XXXX XXXX as shown in the Docket Sheet of Today, XX/XX/2022. Final judgment from the Judge is probably just a matter of days. Thanks for reading and better if you update my credit report at your files due to this unfair action by XXXX that already Trans Union took care of.

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 2023-09-19
Company: Zions Debt Holdings
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I moved from my home in XXXX ( that my husband owned, my name was not on the deed ) to a rental home in XXXX. At that time, we used security monitoring with XXXX. We were told that if we ever moved to a location they did not service or to a location where we were not authorized to get security monitoring, that by sending a letter of cancellation, we would be removed from the contract and service. We were also told that if the new homeowner took over service, that is another qualifying reason that we would be out of the contract. 

All of those things happened. I informed XXXX by phone and letter that we were cancelling and moving out of state to a rental home. None of which qualified us to transfer service. The new homeowner also took over the service, and put it in their name. 

In XXXX, I tried to buy a house and was denied credit due to a collections for {$1300.00} from a company called XXXX. They apparently took over XXXX. I explained the situation to them and they were supposed to remove the collection from my credit report. 

In XXXX, I looked at my credit again and found a collection for the same amount with a company called Zion Debt Holdings. I disputed this claim a few days ago and then began receiving aggressive text messages from Zion Debt Holdings regarding the collection. I asked them to send me the contract and their response was that I was the one who had to disprove the debt, not them to prove it. 

I explained to them that I did not owe this and that it should be removed immediately. 

I do not have a copy of the letter I sent to XXXX in XXXX of XXXX as I do not keep paper work more than two years old. I know that I cancelled them via letter, and phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: MA
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:
I am writing to bring to your attention a dispute I have with Experian concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to address the following discrepancies on my credit report. To date, Experian has not responded to my inquiry. The following details the incorrect information and the necessary corrections : The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$88.00} ) has never had any late payments. Please remove the late payment notation from my credit report for this account. 


The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) has never experienced any late payments. Please update the inaccurate information on my credit report for this 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 2023-02-03
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:
Submitted XX/XX/ to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. Although they continue to report many accounts that have been long closed for seven years or more my state law states they can no longer take action on this 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 2023-07-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got involved as a victim of a big scam pretending to be people from XXXX and XXXX 's customer service. 

It started with me listing an item for sale on XXXX XXXX. The buyer said he could pay via XXXX, asked for my phone number and email, and then a fake XXXX email ( " XXXX '' ) and him started asking for more and more money to be transferred via XXXX, Venmo, PayPal, and XXXXXXXX XXXX for my account to become a " Business Account '' among other requirements, saying that they will refund all the money back once this is all done. This continued until I did not have enough money and I realized that this was all a scam. 

So, I have reported on these transactions through the apps too and to the XXXX XXXX XXXX XXXX. On PayPal, I have had XXXX transactions to these scammers ( XXXX pending ), and I wanted to at least cancel the XXXX " Pending '' ones because, as we have realized, they are to scams. 

Please, cancel those XXXX pending transactions and unable my money to be moved. Also, I have already filed a report on XXXX of the completed transactions on PayPal ( case ID : XXXX XXXX XXXX please get it processed, PayPal, and get my money refunded. 

I will be eternally grateful. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was a victim of identity theft and i want these fraudulent charges off my credit 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 2021-05-06
Company: ALLY FINANCIAL 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:
On XX/XX/2017 date I former boyfriend XXXX XXXX and I purchased a vehicle through Ally financial. As our relationship separated I took my XXXX  to court for XXXX matters. While we were in court, I asked the judge to force XXXX to remove my name from the loan as XXXX has been deliberately making late payments in an effort to destroy my credit, and the judge granted a court order XXXX attached ) for XXXX XXXX to keep possession of the vehicle and remove my name from the loan, title and registration. 
XXXX XXXX has violated a court order and continues to destroy my credit through making late payments, which is another violation of his court order considered indirect harassment. 
Ally financial has ignored my requests on several temps to rectify this situation and continues to report XXXX XXXX derogatory late payments on my credit report, even though a court order is in place. I have written letters explaining the situation and they go ignored and the only number I can contact Ally Financial through is the collections department and nothing is getting achieved.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Transunion has allowed inaccuracies and unfair credit reporting methods, which has tarnished my confidence in the banking system. It is a fact according to 15 USC 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating my credit worthiness, standing, and capacity. But due to the inaccurate reporting by Transunion my character and general reputation has been damaged. These inaccuracies have caused me pain and stress when it comes to my everyday life as a consumer.

Pursuant to 15 USC 1681 ( e ) I am demanding Transunion to do a proper investigation on the accounts listed below. I am demanding Transunion provide names of friends, neighbors, or my associates who have first hand knowledge of these accounts. If Transunion is unable to obtain the information I AM DEMANDING THAT THESE ACCOUNTS BE DELETED OFF MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies listed above are third party debt collectors who are in violation of the FDCPA, seeing that they never had my consent to do any business with me. 

I DEMAND Transunion to delete all inquiries off my consumer report. 

I DEMAND Transunion to delete all addresses besides XXXX XXXX XXXX XXXX, MI XXXX I DEMAND Transunion to delete all phone numbers besides XXXX. 

Because of these inaccuracies Transunion has made my life so stressful for finding a place of abode, applying for credit cards, and everything else that involves consumer credit. I am coming in good faith. 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 explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-05-16
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing for your help in the below matter that has now gone unresolved by Chase Mortgage for over 3 months.I have now contacted the Chase customerservice departmenta totalof25 times ; 16 times via your online Secure Message center and 5 phone calls and 2 emails to your customer service team. 
I have made a total of {$22000.00} in mortgage payments of which only {$11000.00} has been credited to my Chase Mortgage account. 

Supporting Information and Attached Documents - {$7300.00} made to XXXX XXXX on XX/XX/XXXX - see attached letter {$3600.00} made to Chase on XX/XX/XXXX Loan Transferred from XXXX XXXX to Chase on XX/XX/XXXX XX/XX/XXXX -XXXX and XXXX Payments Made to XXXX {$7300.00} ( See Letter from XXXX Dated XX/XX/XXXX confirming thereceipt and posting of this payment )  and a second confirmation letter requested from XXXX again confirming my account current XX/XX/XXXX - XXXX Payment Made to Chase {$3600.00} XX/XX/XXXX - Payment Made to Chase pending Research {$11000.00} Total XXXX XXXX Payments Made = {$22000.00} Summary of phone calls and emails to the Chase customer service center. 
XXXX XXXX on XXXX XXXX XXXX - explainedpayments made XXXX  Chase on XX/XX/XXXX - they said may take 72 hours XXXXXXXX  Chase on XX/XX/XXXX - they said they are confused- checkingwith research division - requested I send the copies of the statements showing payments made I faxed the docs on XX/XX/XXXX via Branch and vonage fax To Subject Sent Size Categories XXXX Chase Mortgage Acct XXXX - Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX - stated that they are still investigating - I stated my concern over late fees and credit reporting - he said the firstnote in their system is XX/XX/XXXX - I stated that I have called since XXXX. 
XXXX XXXX on XXXX XXXX XXXX EscalationManager- explainedsituation again - she mentioned I spoke to the Executive Office? - she said two paymentsin the Chase system - sent to Research team for validation {$7300.00} paid to XXXX XXXX and XX/XX/XXXX Research Division Reference # XXXX Fax XXXX XXXX XXXX - see below email sent at the request of XXXX XXXX XXXX Escalation Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I hold a sub-prime auto loan with Santander Consumer USA ( SCUSA ) initiated in XXXX of 2015. On my statements each month, it shows the principal outstanding but it does not indicate the interest rate being applied against the principal nor the interest rate practices of SCUSA. ( Including the daily interest rate procedure or the calculation of the interest on each month 's statement. ) This information is also not available on their website, myaccount.santanderconsumerusa.com, nor their automated phone system XXXX. The interest charge applied against the principal and added to the loan amount each month is inconsistent with the interest rate indicated on the origination paperwork ( which was filed through a XXXX-party dealer, without representation from SCUSA ). I encourage the CFPB to adjure SCUSA to include interest rates on monthly statements or in the accounts of its borrowers online and to publish information about how it calculates interest charges. Interest rates are a vital component of determining whether I prepay the principal outstanding on the loan ( or address other loans with higher interest rates or more onerous interest charge calculations ) first. Not providing this information makes it significantly more difficult, if not impossible, for me to make a reasonable decision as a consumer of a financial product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-05-16
Company: HANCOCK WHITNEY BANK
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a collections letter was received from XXXX XXXX XXXX alleging an owed debt in the amount of {$5200.00}. Letter was dated XX/XX/XXXX, XXXX Acct # XXXX, creditor listed as Hancock-Whitney Bank with acct ending in XXXX and a last payment date of XX/XX/XXXX, and sent to an older address of XXXX XXXX XXXX. 

There are a few issues with this allegation : 1 - This debt is not recognized, as I have never held an account of any type with XXXX. 

2 - I have not lived at the listed address on their claim for over XXXX years, let alone opened any loans in their alleged timeframe. 

I am uncertain as to where this alleged debt came from, I am only certain that I have not opened any such accounts with that creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXXXXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous XXXX   verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...

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 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I sent Experian a validation letter XX/XX/2023. Certified mail. I have not heard anything from them I disputed the XXXX accounts. 
I called Experian & XXXX to let them know that these account accounts were open without my permission. Its an identity theft investigation going on. 
I recently checked my credit report XX/XX/XXXX. Experian reported that the information was certified and accurate. I just got off the phone with XXXX and they said the investigation would not be complete into XX/XX/XXXX but Experian already reported that it was complete and that the account would stay on my credit report so Experian is lying. They never show proof, and they lied, and said that the information was certified when according to XXXX the investigation is not even complete. I also have the conversation recorded between me and XXXX to show proof that Experian lied about right about investigating and validation. 

XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : 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