BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
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:
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 
<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

<br> COLLECTIONS <br> 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account. 
<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my 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 2022-03-20
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian refuses to remove reinserted fraudulent information reported by XXXX XXXX XXXX and instead updated comments not authorized by me. Experian also increased and changed the amount of the item by one dollar to reinsert this back on my file and failed to confirm how they came to the conclusion that the information was accurate. This debt is not mine and I have provided relevant and factual information to both XXXX XXXX, FTC, CFPB, and Experian. I am demanding the permanent deletion of this reinserted, fraudulent reporting and the restoration of my excellent payment history. 

Please also note that I am a resident of South Carolina and this is also a violation of the law in the State of South Carolina - South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2022-02-12
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: Information belongs to someone else

Complaint:
I am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX attached thanks.

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: Equitable Acceptance Corp
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by XXXX XXXX. They stated my student loans in default and at risk for wage garnishments but that I qualified for student loan forgiveness. That the payments would be minimal for 3 years and everything past that would be forgiven. I set up the arrangement and began paying each month. My student loans showed as current on my credit report and the consolidation was successfully showing as current. I was notified 5 days ago that my credit score dropped 55 pts. I looked and saw that my student fed loans were in default but the consolidation loan was current. I called the student fed loan and they explained that they do not use any type of third party company on their behalf and I was being scammed. Also that an email was on the account that I did not have access to, paperless billing was set up and going to an online account that I did not set up. This company has taken money from me for 2 years. They pretended to be me and filed for forbearance so that my loans appeared current and now I have an outstanding loan with over {$500.00} left to pay appearing on my report from a company I have never done business with ( Equitable acceptance ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal information was compromised between XXXX and XXXX when my storage unit was broken intoand a fi le with all of our documents such as birth certifi cates, ss cards, medical records, etc after my son'swas released from the XXXX XXXX XXXX  after XXXX transplant and we moved to XXXX with only whatwe can carry. Then when i went back to our storage with a truck to bring the rest of our stuff back in when inoticed it had been broken into. This has caused undue hardship for all of us, me especially I have been trying to dispute numerous times but to no avail. My sister who is a cop said i needed to file an identity theft report which i did.

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 2019-01-03
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the second time, Mr. XXXX XXXX has engaged PayPal to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX stay in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of PayPal as method of payment with this bogus claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-03-20
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After 3 months ( XXXX, XXXX & XX/XX/2021 ) of not getting service or any response to my numerous email requests I notified them via email and on my bill that I was no longer going to use them and asked them to pickup their 3 empties and reimburse me for them. In XXXX a XXXX supervisor by the name of XXXX ( ph XXXX ) finally stopped by and apologized for the lack of service and help requests and explained that the company had huge staff problems. I told him that I would no longer use them and gave him my 3 empties worth {$6.00} each. Since there were 3 XXXX said they would refund me {$18.00}. Not only did I not receive the {$18.00} but XXXX has continued to bill me for services not rendered. XXXX owes me {$18.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and Transunion is blocking my credit file. 
I am attempting to dispute. XXXX XXXX XXXX 2 collection accounts and XXXX XXXX XXXX and National credit adjusters I want these 3 companies disputed as follows : I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Please govern yourself accordingly!

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$440.00}.

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 2022-03-20
Company: Upgrade, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've open other complaints with no results, I've went to XXXX as well seeking help. Now after several complaints. On the XXXX the company took all my available credit, by decreasing my credit down by {$1000.00}, make all credit not available. I know I have never been decreased in credit, until after I've, made these complaints on getting my credit cards fix. It feels so what as an act of discrimination against the fact, I didn't just let them run over me, and took actions. Their answer or solution is to cut my credit due to all the complaint. I need answer, to why I've has the problems for 3 months, even the embarrassing declines, as well, as why was my credit decreased only after I've made several complaints. As of right now I'm not seeking legal actions, but answers are needed. I did go ahead and close the and stop all automatic payments until all questions are completely answered. Again no decreased until after I have complaints on the company. The credit was {$5000.00} is why they pulled my credit score with over {$900.00} was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 dont have any finacial obligation to these companies

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 2023-04-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This started last year that we missed the payment due to our vacation trip, we're charged Late Lee ( LF ) and Interest ( I ) but was reversed upon request, which we appreciated. 

On XXXX, we called disputing the total charges of {$32.00}, after a lenghty talk the CSR said she'll try to waived the OTHER LF & I, we then paid the {$17.00}, leaving a balance of {$15.00}, supposedly they will waive. 

We then requested a copy of the statement dtd XXXX and was received. Talked to them again to waive the {$15.00} as pormised, this time based on their XXXX.Statement send On XXXX, Why didn't they gave me the balance then, we assumed it's still {$15.00} but to date ( XXXX ) Talked to XXXX XXXX when asked, it's NOW {$49.00}, representing 2 LF+I, but never received the XXXX Statement. 

Can you imagined instructing us to talk to our Bank, what's our bank got to do with their LF-I?! 

They even reported me to the XXXX for measley {$15.00} arrears, which was not fair afterall my XXXX score was XXXX and was pulled down to XXXX. Unfair from a lousy company to do that w/o checking XXXX background.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not received any notification before hand. The first I learned of any money owed id ] s when it was added to my credit report. They didn't contact me at all to inform me that I owed them any amount of money. Nor did they notify or contact my daughter whom was on the same account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have to of the same charges for the same property I never Evan lived there Ive shown proof it was my mother living there using my name an the original balance was XXXX dollars when she moved out they allowed XXXX to get into the property after an I never knew so they chargede for all the months of rent the homeless people where in there now the delt has increased tremendously an keeps going up by XXXX to XXXX dollars every week since it's popped up on my credit not to mention there's another account for the same property charging the same amount to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: NY
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 have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 2020-03-11
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed ( sold ) our property on XX/XX/XXXX. We were owed {$1000.00}. We did not escrow or impound, however the mortgagor applied this refund to escrow. They mailed the refund check to the old address and we never received the check. On XX/XX/XXXX I had called to ask for the tax statements and discovered the error and had to change the mailing address and they put a stop payment on the check. 

A few weeks passed and no check, so I called again on XX/XX/XXXX. The representative confirmed that a new check was mailed to a correct mailing address. 

I called on XX/XX/XXXX because I still have not received the escrow refund. The representative place me on hold and came back stating the the check cleared on XX/XX/XXXX. I informed them that I had not received a check and therefore someone else committed mail fraud. The representative stated there was some confusion in regard to if the check cleared or was placed in unclaimed property on XX/XX/XXXX. 

I checked the unclaimed property for my state and did not see the funds there. I am submitting this complaint because I need my money and the mortgagor has not been forthright with their investigation.

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