BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
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: Personal information incorrect

Complaint:
I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC 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 2022-12-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-03-20
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a vehicle in XXXX which was financed through Prestige Financial Services. My vehicle was charged off a few years back. I currently still have said vehicle in my possession and I have an agreement with Prestige where I am making WEEKLY payments to the company. Recently, I pulled my credit report and Prestige has my balance incorrect and shows $ XXXX  monthly payments. The last payment showing on my credit report to them was from XX/XX/XXXX which is incorrect. Prestige takes automatic payments from my account WEEKLY, and has been doing so for the last two years or so. I disputed these inconsistencies through the credit bureau as " incorrect balance '' and as not showing " pays as agreed ''. After being contacted by the bureau 's, Prestige has yet to report anything correctly which is holding my credit score down. They have only moved my balance by {$140.00}, when it should be way more than that. My weekly payments amount to $ XXXXmonthly. Not only do I have bank statements to show these deductions, I also have text messages from a XXXX XXXX will leave his last name out for protection ) detailing payment dates, amounts, and agreement that I had to approve. ***Documentation will be provided if needed***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MI
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 account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXXXXXX  Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I paid a balance to Portfolio Recovery Services to settle the account. 
The agency offered me a 20 % savings to pay the account and agreed to delete it from all three credit bureaus. 
I paid the {$360.00} and the company is now reporting the remainder as a debt and will not delete the account as stated in the agreement. I have attached proof of their offer. I am asking fpr the company to honor their offer as I was under the impression paying the reduced rate would clear the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My Student loan from Dept of Ed keeps saying Im 120 days past due and I am caught up. I have been working very hard. My husband has been in XXXX almost a year from XXXX XXXX, he was out of work for a year and a half and I lost a lot of time as I was his caregiver. I do not understand why my credit scores are not higher? We had to take a 2nd mortgage to pay off stuff. XXXX said they were paying off all my student loans and I did not realize they left 2 not paid.

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 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
- XXXX XXXX started school  with approved $ XXXX loan. 
- XX/XX/XXXX paid back first $ XXXX, $ XXXX interest was refunded to me due to quick payment. 
- XX/XX/XXXX paid remaining XXXX, loan bought to {$0.00}. 
- XX/XX/XXXX Called student loan provider due to communication on student loan forgiveness being distributed by media, they stated I qualifed for student loan forgiveness based on payment made in XXXX Info given on money being sent to me via mail or direct deposit. Requested for mailed check for paper trail. 
* no communication on ramifications or parameters for this money at this time. 
- XX/XX/XXXX received $ XXXX direct deposit into my account, called XXXX to confirm where deposit came from, they stated looked like form government, first calling student loan provider could not get through, multiple hang ups. 
- XX/XX/XXXX received an email stating I have a monthly statement for payment due on XX/XX/XXXX, called student loan provider to rectify. 
- XX/XX/XXXX called again to get info on this email I received and what they can do as I don't have a loan, I was advised I'd receive email with a link to file a complaint, no email received. 
- XX/XX/XXXX called again and was told I could file a complaint with her verbally and I did, nothing sent in writing to me. I was told someone would contact me on XX/XX/XXXX. 
- XX/XX/XXXX called back again due to no communication, I spoke to 2 ppl, customer service and supervisor repeating that I had a loan that needed paying and I received a refund not student loan forgiveness and need to pay it back with interest, asked why I didn't receive direct communication on the circumstances, told it was send to my student loan provider account digitally, I didn't check it as I don't have a loan outstanding. I requested for phone call to be pulled on the day I called asking for student loan back in XX/XX/XXXX. 
- XX/XX/XXXX they finally call me back to say must pay back loan and the refund is now a loan that must be repaid and I can request for an advocate to further discuss. I was told it would be implied that my refund would be a loan that needed repaying. I clarified that I request for student loan forgiveness not a refund or loan. I did request but haven't received any writing communication on anything as any point in time over the last month on my requests for rectifying. 

Note : - Lack of transparency on refund not forgiveness. - Did not explain refund parameters instead of forgiveness, nothing esle told to me and nothing in writing of the conditions of agreeing to refund or any parameters for it to be repaid as a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting my complaint for you to take steps or actions to handle my complaint with the wrongdoing of the 3 credit bureaus that seems they never priorities my request to delete the fraudulent items in my credit file. I am very disappointed with this. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information in my account. I have been already told my lawyer regarding this issue. With that, I am asking for your help to remove these items immediately in my credit file : MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; MO CHLD SPRT XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/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 2018-08-17
Company: Diversified Adjustment Service, 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:
Diversified Adjustment is trying to collect on a PAID debt. Please see CFPB Complaint XXXX against XXXX and XXXX XXXX XXXX for the {$430.00} debt. On XX/XX/18 the XXXX responds and states, On XX/XX/2018, XXXX XXXX claim that the debt was paid prior to assignment for collection was confirmed with the original creditor This collection was already disputed, won, and removed from my reports. I contacted Diversified and let them know that they have bought an erroneous collection and that this matter was already disputed and won. They never responded to that, or my request to verify the debt. They have now knowingly violated my consumer rights. This needs to be deleted immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
XX/XX/. I applied for a XXXX XXXX credit card. The customer service manager assured me I would be approved. Well I wasn't and my credit score got hit with a hard inquiry dropping my score from XXXX to XXXX. It has now been over 9 months later. and this still has not dropped off my report and my score still remains unchanged.

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 2024-01-08
Company: BARCLAYS BANK DELAWARE
State: IN
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:
All negative things and personal information on any and ever credit reporting act needs to be deleted prudent to the fair credit reporting act. All enquirers all

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  is showing opened XX/XX/2020 and closed XX/XX/2020 so " open '' for almost XXXX  months from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " dispute '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed 3 times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!

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 2022-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXXXXX XXXX opened an account on a card that I paid off without my consent with a collection agency Portfolio Recovery and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian continually sends me these stall letters and they refuse to process my disputes and its been going on for quite sometime and I am sick and tired of it and it needs to stop and Experian is not throughly invitagating my disputes and they fail to let me know what their method of invetagation was they are not checking for complete accuracy or completeness Its an account in question that Experian continually comes back as verified but its missing part of they payment history and its listed as an unsecured account but it reporting I made payments from a savings account that would make it an secured account and they are commiting fraud saying I made payments and I have never made payments on 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 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CREDIT REPORTING AGENCIES- EXPERIAN XXXX AND XXXX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-23
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: Account information incorrect

Complaint:
Several inquiries on my Transunion and XXXX 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 2019-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I used XXXX to transfer {$290.00} to a beauty salon, after getting home and inspecting my hair, I was not satisfied and attempted to get a refund or have my hair fixed thru the salon to no avail. Sometime around XX/XX/XXXX I had exhausted all avenues to fix this issue with the salon, I then filed a complaint thru Wells Fargo thinking that they could help me. On XX/XX/XXXX WF issued a temporary credit while they investigated the claim. WF ended up denying my claim. On XX/XX/XXXX they took back the provisional credit. Then, on XX/XX/XXXX WF took the {$290.00} out AGAIN! The same transaction number is attached and everything. WF basically told me 'too bad, contact XXXX ', which I have also done. No one seems to want to own up to the mistake and make it right. All I want is my money back, please help! 



XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX   XXXX Visa Direct AZ XXXX CARD XXXX {$290.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$290.00} XX/XX/XXXX CARD REVERSAL OF CREDIT XXXX {$290.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX*VISA MONEY TRANSFER Visa Direct AZ XXXX CARD XXXX {$290.00}

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