BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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 credit 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 n 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: SANTANDER HOLDINGS USA, 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:
Santander Consumer USA did not furnish me with a form XXXX after the alleged debt of {$12000.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( TRAN ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ( TRAN ) XXXX  SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?

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 2021-12-27
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-10-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX VERIFICATION OF DEBT Re : Account # XXXX Dear XXXX XXXX XXXX Division I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt.

I have also attached a copy of my Equifax credit report in which you are fraudulently reporting.

Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. 
Do Not contact me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

Sincerely, XXXX XXXX XXXX Certified letter XXXX Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours : 
Mon., Tue., Th., Fri.:XXXX XXXX XXXX XXXX
Wed. :XXXX XXXX XXXX
Sat. XXXX XXXX  XXXX XXXX  Drive-Thru Available
Shared Service Center Location Mailing Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Send Us A Message Shared Branching Locations Find Thousands of Shared Branching Locations Nationwide Call XXXX ( XXXX ) Visit XXXX XXXX XXXX to find a Shared Branching location near you. 

Report Lost / Stolen Visa Cards Available 24 Hours Lost/Stolen Visa Debit Card : XXXX XXXX Forgotten Debit Card PIN : XXXX XXXX Lost/Stolen Visa Credit Card XXXX XXXX XXXX ATM Locations Find aSurcharge-Free ATMnear you. 
( Select Full Service/Deposit to find deposit-taking ATMs near you. ) Credit Union Call Center Hours : Mon., Tue., Th. :XXXX XXXX XXXX XXXX Wed.:XXXX XXXX XXXX XXXX Fri.:XXXX XXXX XXXX XXXX Bill Pay Help Line Visit XXXX Access Online Banking Choose Pay Your Bills Phone : XXXX XXXX Bill Pay Support Hours Monday Friday:XXXX XXXX  XXXX ( EST ) Locate and Contact Us In your area XXXX - Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Account status incorrect

Complaint:
I filed an initial dispute regarding XXXX not applying a Forbearance on my loan as I requested which resulted in them reporting my loan 90 days past due. I spoke with a representative with XXXX who pulled the call and stated the representative was unclear on the call but confirmed I asked for a Forbearance. I filed a dispute with Experian and XXXX, XXXX refuse to remove the 90 day late but also reported me 90 days past due for XXXX when I'm in a forbearance starting XX/XX/2023.

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 2021-04-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
***PLEASE NOTE MY CAPS BUTTON IS STUCK ON FOR SOME CRAZY REASON AND I AM NOT YELLING OR TRYING TO BE AGGRESSIVE. *** ON OR AROUND XX/XX/XXXX I CONTACTED MIDLAND CREDIT MANAGEMENT ABOUT TWO ACCOUNTS THEIR OFFICE WAS CURRENTLY REPORTING ON MY CREDIT REPORTS. I WROTE ASKING FOR VALIDATION PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE FAIR CREDIT REPORTING ACT, ALONG WITH MY LOCAL LAWS. ALL LAWS BASICALLY STATE THE SAME THING, UPON REQUESTING AS A COUNSUMER- I AM ENTITLED TO EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) CONTRACTUAL OBLIGATION TO PAY THEM ANYTHING. PLUS, I NEEDED EVIDENCE THE DEBT/CHARGES WERE MINE. I ALSO REMINDED THEM I HAD MADE ALL 3 BUREAUS AWARE OF FRAUD ON BOTH MY SS # AND CURRENT ACCOUNTS FROM A DATA BREACH. I ALSO INQUIRED ABOUT THE PROCESS THEY USED TO VERIFY THE DEBT. ADDITIONALLY, I ASKED THEY PROVIDE ME THE INFORMATION OF THE PERSON ( S ) THAT VERIFIED THE ALLEGED DEBT SO I MAY INVESTIGATE FURTHER SHOULD I NEED TO. I REQUESTED IF THEY COULD NOT PROVIDE THE INFORMATION REQUESTED THAT THEY REMOVE THE ITEM FROM MY CREDIT REPORT ( S ) AND STOP COLLECTIONS. I MAILED ( CERTIFIED MAIL ) MIDLAND ON OR AROUND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. IN RESPONSE TO MY LETTERS MIDLAND RESPONDED " AFTER INVESTIGATION YOUR ACCOUNT WAS VERIFIED YOUR DEBT '' BUT I NEVER RECIEVED ANY OF THE VALIDATION REQUESTED AND REQUIRED. FURTHERMORE, ON ONE OF THE ACCOUNTS ( XXXX ) THEY DID NOT RESPOND WITHIN THE REQUIRED 30 DAYS, NOR DID THEY REPORT THE ACCOUNT AS DISPUTED WITHIN THE 30 DAYS, THAT ALONE MAKES THEM NON-COMPLIANT AND THE COLLECTION SHOLD BE REMOVED. THE LAST RESPONSE MIDLAND SENT ME A LETTER DATED XXXX STATING " WE ARE UN CERTAIN OF WHAT YOU ARE SPECIFICALLY DISPUTING '' AND REQUESTING " WRITTEN EXPLINATION AND DOCUMENTATION DEMONSTRATING ANY ERRORS IN OUR ACCOUNT INFORMATION ''. IT IS NOT MY JOB TO DO THIER WORK. I HAVE BEEN VERY CLEAR WHAT I AM DISPUTING AND REQUESTING, I AM DISPUTING THE ENTIRE ACCOUNT AND REQUESTING VIABLE EVIDENCE THAT THEY MUST HAVE ON RECORD THAT THE DEBT IS INDEED MINE AND MY SIGNATURE STATING I HAVE A CONTRACTUAL OBLIGATION TO PAY THEM. AS YOU WILL SEE IN MY ATTACHEMENTS, THEY HAVE SENT THE SAME LETTER EACH TIME IN RESPONSE, THIS IS WHAT I BELIEVE IS STALL TACTIC AND COMPLETE VIOLATION OF THE LAW. I DECIDED TO FILE A COMPLAINT AS THE LAST DITCH EFFORT TO GET YOUR HELP BEFORE FILING AT MY LOCAL COURTHOUSE AND ASKING A JUDGE TO DECIDE. THANK YOU FOR YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Home Loan Center, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Six days ago I got a phone call from a lending agent claiming to be with lending tree telling me that I got approved for the personal loan I requested his name is XXXX XXXX. So not thinking about it throughly I got excited so then XXXX started to explain the process which sounded legitimate at the time because it sounded just like the last legitimate loan agency I went through said but then I started to get nervous and suspicious about what came next he had told me that I would have to pay an insurance fee because of the loan amount being so high and that it would be the government that pays the fee I would just have to have it deposited into my account to verify that it is my account. Which at the time sounded legitimate but then when he asked me if the money was added to my account I told him yes then he said that I would have to transfer it back to the insurance company but I got really suspicious when he said I had to transfer the funds through cash app. I then asked about it and he said its not issue its just the fastest was to get the funds. So I unknowingly sent the money then when he requested more money from me just today I called him out on it being a scam he kept telling me its not a problem Im with lending tree so when I asked him to speak to the insurance people about whats going on he put me on hold for almost a half an hour before I hung up and called lending tree and thats when I got my confirmation that is was a scam. So I blocked his number and requested my funds back from cash app and reported it to cash app. Ive also reported it to lending tree and they are doing a full blown investigation on this XXXX XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: VALLEY NATIONAL BANCORP
State: NJ
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 had an auto loan with Valley National Bank from XXXX. In the course of the loan we moved to a new address but we made sure that the bank is notified of the address change. We called the bank by phone and made the address change. We went in person to the local Valley bank in XX/XX/XXXX and made the address change because their system still had old address. On making my last payment of the auto loan in XX/XX/XXXX I confirmed with the bank my current address to send my title and documents. Even after a month I of paying off my auto loan I did not receive my title. I went to the local bank in XX/XX/XXXX and I was told that the bank sent the documents to my old address in spite of me calling by phone and informing of my address change 4  years ago and also went in person last year and made sure they had the current address and even while making my last payment I made sure they had the current address on file which they said they did, still they sent my title and documents to old address! When I went in person the lady said the address is not updated and she herself updated it for us. 
Now it is XXXX of XXXX, XXXX months since I paid off my auto loan and I still do not have my title and documents from the bank. I reached out to the local bank again and I was asked to email them all the details of my loan along with my current address which I did but now after sending the email even the local bank is telling me that they do not have any updates for me because the bank has no update to provide. 
Worst ever customer service I experienced with any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2021, I was alerted of a collection on my credit report for an electric company known as XXXX XXXX XXXX. The collection amount was for the total of {$320.00} at the time. When I realized that I had no idea what the collection was about, I called the number provided in my credit app and call. I started a dispute where I stated that I had no idea what this was about and assumed it had been resolved in 2021. However, on XXXX XXXX, my credit was hit again by the same debt and affecting my credit again. I have no idea who this is. I was ask to make another report on here, my local law enforcement and to submit the claim to have this removed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR .THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. THIS IS A DUPLICATE ACCOUNT US CODE 1692e False and Misleading Representation US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XX/XX/XXXX, 110 Stat. 3009425. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Vance and Huffman LLC representatives repeatedly make calls to my phone despite my request for them to stop. They are reporting negatively on my credit report and I have informed them this debt does not belong to me. They often call early in the morning before XXXX XXXX. On XX/XX/2023 I called Vance and Huffman LLC to directly dispute the debt with the company however I was denied debt validation being told I had to pay for them to tell me any information they had regarding this debt which totals {$460.00}. I would like this company to provide by mail to the address they have on file debt validation and not verification that is competent evidence that I have some contractual obligation to pay them. Please include the name and address of the original creditor, the account number, the amount owed, age of debt along with a copy of the last billing statement from the original creditor, any information regarding interest or payments made since the last billing statement, the date the original creditor claims this debt became delinquent, whether this debt is in the statute of limitations and how that was determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Complaint : American Express / American Express XXXX XXXX - Purchased XX/XX/XXXX Originally purchases on-line vis Amex XXXX XXXX Purchase via my Amex Card... 
XXXX Card was delivered then lost. 
AMEX XXXX  Ref Number ( Case # ) XXXX Amex Receipt Number XXXX ( my receipt ) After many attempts and after being told by Amex XXXX that replacement was sent on XX/XX/XXXX none has been received. Told it takes 30 days. Have waited more than 30 days still no response. Contacted today XX/XX/XXXX and was asked to start this process again... 

Can you help

Company response to consumer: Closed with explanation