BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-05-01
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX now called XXXX XXXX XXXX and XXXX XXXX XXXX is calling someone else talking about my personal information Ive asked for what this is in writing and no response Ive also disputed this on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Cascade CISS Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NY
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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management , LP of XXXX, TX is attempting to collect on a debt that is known to be invalid. The alleged debt originated with XXXX, who has continuously assigned or sold the debt to third party collection agencies since 2012. Every 6-12 months, I receive a notice from a new debt collector attempting to collect the debt. 

Each time, I request verification of the debt and, because it is not a valid debt, each time it is returned to XXXX. I submitted a complaint regarding this debt to the CFPB recently when the agency " XXXX  XXXX '' was attempting to collect. When I informed XXXX XXXX that the debt was invalid, I instructed them to inform XXXX of the same, which apparently they did not do or XXXX ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXXXXXXXXXXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-09-18
Company: Mark A. Kirkorsky, PC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXX they sent my work XXXX XXXX XXXX a wage garnishment order from a debt I owed back in XXXX that I thought was settled long before. So I believe they they made fake paperwork up get garnish my wages cause I looked up the case number and it didn't exist. So my work took the money out of my pay and sent it to them it was a total of around XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Associates Says That They Purchased A debt From Someone That 's Mine From 2008 And Is Trying To make Me Pay a For It. They Have Been Harrassing Me Consistantly And Their Staff Used Intimidation Tactics On Me And purposely Put Derogatory Marks On My Credit Report. They Are Absolutly Aweful People And I Want This Harassment Of An Expired Debt To stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I 've attempted multiple times  on Navient 's website to enroll in an Income  Sensitive Repayment program. Each time I go to fill out the application it gives me a " Web Error '' call customer service, then they are closed. I 've tried on multiple browsers and computers, same error. Seems they do n't want to help us lower the payment.     Ive also called asking them if I can skip a payment due to a IRS payment I need to make that is around {$700.00}, they said no I ca n't. I have never missed a payment and they say i 'm not eligible for deferment ... I do n't want to differ my loan, I want to ski p 1  payment and have it added to the end of my loan ( plus interest ).     I also tried to download the application fro m Navie n't site an d gave the same error.     It seems they are not willing to work with those that are trying to repay. I Pay almost {$700.00} a month t o Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer from my bank to Binance U.S. on XX/XX/2021 for the amount of {$600.00}. It was never processed, then it 'expired ' and no money was put into my Binance account, AND the money was never returned to my bank. 

IT IS LOST Here is the information I have ... 


Entered Date XX/XX/2021 XXXX XXXX XXXX XXXX Effective Date XX/XX/2021 Receiving Financial Institution XXXX XXXX XXXX Beneficiary Information XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Beneficiary Reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MN
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2017-05-07
Company: Receivables Performance Management, LLC
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from Receivables Performance Management on   XXXX   XXXX   XXXX     attempting to collect a debt from   XXXX   XXXX   that another debt collection agency had previously returned to   XXXX   XXXX   as invalid. I called and talked to RPM customer service the same da y I re ceived the notice and told them I wanted to dispute the bill. They told me that they had an updated bill from  XXXX   XXXX  that they would send out. I waite ed three w eeks, then sent a written request to have the debt cancelled because the bill could not be produced. On  XXXX , they finally responded and sent a copy of the same  XXXX   XXXX  bill that had been returned as invalid, and additional RPM interest charges that they had been accumulating while I disputed the debt. I submitted my full documentation package to RPM, including insurance statements, the amount I actually owe ( less than  XXXX  of the billed amount ), and the history of the account, to RPM. They received the package on  XXXX . On  XXXX , in response to my documentation, they sent me a copy of the same original   XXXX   XXXX   bill. They are refusing to accept clear documentation that the bill is not valid, and they are continuing to charge interest while I dispute the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
When I started paying on the loan to  Navient and  was unable to pay the full amount because of going through a financial hardship, they didnt give me the option to have a lower payment. When they finally told me about it and my loan went into forbearance it accumulated so much interest making it even harder to pay off. So no w Im s tuck paying off interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Experian Information Solutions Inc.
State: NJ
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:
The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to   XXXX   '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is not my account, Im not legally affiliated or responsible

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 2023-10-01
Company: EQUIFAX, INC.
State: IL
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 am currently trying to educate myself on credit and how to utilize it. I recently downloaded a few credit score posting sites, only to find out that lines of credit were obtained using my social security number. I was a victim of a security breach years ago. Someone has diligently used my social security number to obtain lines of credit. I have reported this to the federal trade commission as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX ACCT # 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 instructio
ns

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  ACCT # 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ON XX/XX/2022, Sent a letter to XXXX, XXXX, XXXX, And Transunion informing them the information they are report to my consumer report is inaccurate.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have {$7200.00} in funds tied up in my now closed Wells Fargo account that I have not been able to gain access to or retrieve funds from since XXXX XXXX XXXX. My sister sent the funds to my personal Wells Fargo checking Account from her XXXX XXXX checking account. Wells Fargo flagged the transaction as fraudulent immediately, and froze my personal checking and savings account. An email was sent to me stating the next steps they would take and a letter was also sent in the mail from WellsFargo via XXXX. The letter stated the transaction was on hold due to an expected dispute by the sender to be filed. It stated that if a dispute was filed by the sender ( whom was my sister and sent the funds to me willingly- not by accident or fraudulently ) then the funds would be returned in a check to her name/address. It also stated if no dispute was filed within 60 days that the funds would be released to me and mailed in a check form for the remaining balance that was in my checking & savings account. There was never a dispute filed or intended to be filed as I stated my sister sent the money directly to my Wells Fargo account. I have reached out to Wells Fargo countless amounts of time. They will not release my funds to me and I am at my wits end with this company as they are holding my money for no apparent reason, and basically insinuating it to be fraud when in fact there was no fraudulent activity, clearly there was also never a dispute filed either. There is no reason why I have not received a check with my funds from my account that they froze XXXX of 2021 and closed for absolutely no reason.

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