BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-20
Company: Optio Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have three accounts with this collection company, and when I requested a debt verification, they verbally refused to send any debt verification. The lady whom I spoke to was very aggressive and rude. She refused to work with me in sending me a debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan on XX/XX/2020 for XXXX from Cash Store / Cottonwood Financial in Texas. The first payment was to be paid on XX/XX/2020 for XXXX. My household had a financial hardship and I couldn't pay the loan, so I asked for a EPP, extended payment plan, with the store manager, before the due date. I understood I owed a debt and wanted to take care of it. They said they would have to turn the account over to corporate collections and after waiting to hear from Corporate Collections I was told there was no EPP. I contacted XXXX XXXX and XXXX ( debt settlement company in Florida ) to help with my debt. They drafted a settlement offer that Cottonwood Financial rejected. I then started to receive calls from Cottonwood Financial and agreed to pay them directly at 10 % of the account balance for 10 payments. I received a letter on XX/XX/2020 confirming my commitment of a payment for XXXX on XX/XX/2020 and then on the XXXX thereafter, the account balance is XXXX. I then received another letter on XX/XX/2020 basically stating the same thing. I made my payment on XX/XX/2020 in the amount of XXXX. Today XX/XX/2020, I received a call asking me to take out another payment and I asked if I could move it back to the XXXX because our household is affect financially due to the Covid-19 pandemic. The man was rude and said we had an agreement but might allow this concession. He then told me he had to change our agreement to a higher dollar amount because there was a delay/payment reporting error in their system and they said the balance was XXXX and he would have to raise my payment to XXXX per month. I told him we had an agreement and I agreed to pay the promised amount per the 2 letters I received. He said he will draft new letters and disconnected the call. I called back and spoke with a lady that said the payment posting errors were my banks problem and I had to take it up with them. She stated the balance of XXXX and I can pay whatever I want and they will collect their money. She then said we had been on the phone too long and hung up. I was trying to tell her I agreed to pay the XXXX for 10 payments like we agreed to do based on my new payment agreement, but she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any items in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX Balance : {$2500.00}, XXXX ' BA 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 2023-02-15
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: Old information reappears or never goes away

Complaint:
I have disputed the the fraudulent items several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : 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  1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

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 2022-05-12
Company: EQUIFAX, INC.
State: CO
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/2022, I sent XXXX a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to Equifax, XXXX and XXXX requesting they verify this validity of the account as well as informing them this was a XXXX violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. XXXX and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. Equifax has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: EQUIFAX, 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:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Galaxy Capital Acquisitions, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A credit card was reported stolen and then used without my knowledge. Certain circumstances did not allow me to follow up. The cc debt was sold to collection agency where they repeatedly contacted me at work, threatened me and tried to get me to provide personal information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a question to the response given by Truist Financial to my latest CFPB report. This is not a final statement but a request for information and to clarify part of the statement provided as feedback to my questions. 
You said, a paper dated for XX/XX/2017 was included with your reply. I can not locate paper with in your response. 
Please clarify for me a paper you included dated on XXXX XXXX. A statement for loss mitigation. Does it in fact say they approved a " Incomplete " application from me. I never received this paper in the mail from either Truist or XXXX XXXX. I'd like to see where I signed for this information. I have had several COVID relief and I can prove them by my payments. Everytime I call to make a payment they offer it. This also brings me back to the question of, are you singling out people by their financial difficulties, are you using the covid as a way to know who to XXXX? Again if my payments were behind by over {$13000.00} wouldn't you have contacted my attorney. I was under bankruptcy and you were advised that I had an attorney but yet you never advised him that I was {$13000.00} behind in payments. Nor alerting myself or him that foreclosure proceedings was already in the works again with XXXX law firm, ( this was confirmed by XXXX XXXX himself the attorney in the XXXX office.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. and It is not permissible to fail to validate these reporting accounts as unverified information. please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$910.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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

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 2023-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX from XXXX. During this time my phone and wallet were stolen. I reported it to the police and notified my bank as soon as I saw that they were lost. Someone during that time used my card in various states to make purchases in excess of XXXX. I have XXXX and have been very ill and was unaware of any of this happening during my treatment. I have provided proof that I was in California when these purchases were made in other states but chase is saying that since my pin was used, I am responsible for all the purchases even though I can prove I was XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX California when these purchases were made in various states within the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a student at XXXX XXXX XXXX. In XXXX, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. 
On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Student Loan Companies : ACTIVATE FINANCIAL  , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX General Correspondence and Submitting Documents : XXXX - XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX California Residents : XXXX. XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring your attention that my credit file contains accounts with no historical reporting data. Under to 15 U.S. Code 1681i Compliance protocol, these accounts must be removed from my report without delay.

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 2022-12-27
Company: EQUIFAX, 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:
Equifax Information Services LLC has been reporting defamatory items in a consumer report about me, along with my private, personal information and my personally identifiable financial information for years without my consent or permission. I've tried on NUMEROUS occasions to have this issue resolved, and they refuse to assist me in correcting this matter, and they choose to continue to blatantly disregard my privacy and defame my character and credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Services acquired my loan from Ocwen. I was advised I was approved for a trial modification with a monthly payment to be made XXXX, XXXX and XX/XX/XXXX after which a decision would be made for permanent modification. I called each week in XXXX regarding a decision and was advised the modification was approved and I would receive paperwork to sign and return. I received the paperwork XX/XX/XXXX indicating the permanent payments would begin XX/XX/XXXX and the paperwork needed to be notarized and returned by XX/XX/XXXX. I was advised the notorized paperwork was received XX/XX/XXXX and I would receive documentation confirming the permanent modification. I never received the documentation and called back each week for a status. I was advised on XX/XX/XXXX a PHH employee provided the wrong amount for me to pay and therefore the XX/XX/XXXX payment was short and the decision reversed. I questioned why I would receive two different decisions. The relationship manager assigned XXXX XXXX advised it was a mistake on their part and he was working to get it resolved. He advised on XX/XX/XXXX that I needed to pay {$1900.00} by XX/XX/XXXX to have the decision reversed in which I paid XX/XX/XXXX. I called the 1st week in XXXX and was advised I needed to pay {$630.00} for XXXX which was paid and at the time the modification would be permanent and reported as current. I have had four appointments since with the relationship matter with the most recent being XX/XX/XXXX and the matter is still not resolved. Once again he advised to check back next week. My credit report doesn't indicate I have a mortgage loan and that is a concern. I am not able to access any information on PHH website. When attempted a message populates indicating no account information is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone is stalking me, and they somehow got my online banking information hacked my account and transferred all my money out of my account, also they came back through a false advertising scam stating they were XXXX XXXX and that they were offering a work from home position and sent me fraudulent information and a fake check. I wasnt aware of that being fraudulent till after the fact. For some reason someone been soliciting trying to make me a miserable old man at a early age. Because people keep attempting to coerce me into a crime.

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 2022-11-23
Company: DISCOVER BANK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. Discover and XXXX  XXXX ( XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX  software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.

Company response to consumer: Closed with explanation