BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion, The aforementioned credit collection agency representing whomever XXXX XXXX XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

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 2021-09-23
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After review my credit report I found a collections on my reports from CKS Prime Investments stating that the original debt was from XXXX XXXX  Card. I have never had this kind of card. My mail box was broken into several times over the last five years and this collections is fraudulent. I have reached out several times to this collections agency to have them delete this from my account and they have yet to do so. This is not my debt and is identity fraud and I want this collections deleted from my credit reports ASAP.

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 2020-05-04
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I tried to enroll in school explained that I wanted to make sure I was getting my financial aid before I started the academic advisor signed me up for classes before it was finalized I didnt get funded now I owe a bill this was unethical and I dont want this on my credit

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-03-28
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: Account information incorrect

Complaint:
I have XXXX XXXX XXXX XXXX and as of today 's date. I have a credit score of XXXX. With 5 % usage on a XXXX credit line. Now, I also have nerd wallet. And they are reporting my credit score to be XXXX. With usage at 28 %. Both pose to be transunion but both not having the same information. I would like for the score to be corrected across all platforms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: WI
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:
After I paid off my XXXX credit cards I checked Experian on XX/XX/2023 to see how much my credit score went up as that was the only debt I had left to pay off. To my surprise, there was an unfamiliar account on my report from XXXX XXXX. I looked up XXXX XXXX on XXXX as I had no idea who or what that was. I found a customer service phone number and when I called it they confirmed that an account for {$700.00} was opened under my name and that there is currently a {$500.00} balance remaining. They also informed me that it was for a purchase made on XXXX. I went to XXXX and it's not even a valid website as the domain is for sale. I have no clue who opened this account and did not authorize it. I'm assuming identity theft & fraud has occured so I froze my social security number AND credit, put a fraud alert on my credit, reported it to XXXX, filed a police report, filed a dispute with Experian which they did not fix the issue and filed a complaint for fraud with XXXX XXXX. I have gotten the run around with XXXX XXXX. They told me someone would contact me in XXXX business days to follow up and XXXX business days went by and nobody from XXXX XXXX contacted me. I called again and they said their supervisor was handling it and would call me back in a few hours which they never did either.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
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 a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2023-07-11
Company: Genesis FS Card Services, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Milestone Credit Card was closed end of XXXX by the company. I paid all fees. Over 3 months later XX/XX/XXXX I was issued a refund to that card. To my surprise milestone still is using my personal information. I asked that the refund be returned to the issuing party and all of my Information be cleared from their system. My request was refused. I asked that I be sent either the paper I signed that milestone can still access my personal information after account closure and they refused. I also requested my {$280.00} refund be expedite again a refusals. I asked several times for return calls the information and an expedited check for the refund with no success. I want to see the legal papers that gives them access to that information after account closure and I want my refund immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
scammers!!!! they are incredible doing everything to keep you in verification loops so you can not get your funds! 
I have received money to my paypal fundraiser! I dont want to keep the money in paypal but they ARENT LETTING ME WITHDRAW TO MY BANK! THEY KEEP ME IN CRAZY VERIFICATION LOOPS. NOW THEY WANT ME TO USE MY PHONE TO ULOAD MY ID! THIS IS MAD I DO NOT HAVE A XXXX XXXX! THERE IS NO OTHER WAY TO UPLOAD ID DOCUMENT! SUPPORT IS SENDING GENERIC MESSAGES! COPY PASTE! ITS JUST A LOOP FOR THIS SCAMMERS TO NOT PAYOUT FUNDS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: FIRST PORTFOLIO SERVICING INC
State: ID
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:
I did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX  by an unknown person. 

I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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.Section States : no consumer 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 2021-09-23
Company: Upstart Holdings, Inc.
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello when I enquired the link I had given my details and applied for a loan. The company had within minutes approved my loan and moved funds to wallet wherein they are requesting me to withdraw and use. Please want to cancel this loan and delete the app. Please help me cancel the loan and also the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I received the first notice from Convergent Outsourcing, Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX phone # XXXX dated XXXX About a debt in the amount of {$910.00} that I'm not aware of. This company place this item on my credit report on XX/XX/2021 without giving me the 30 days to dispute the validity of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank blocked my account and holding all my money!! I was trying to buy an apartment, now they keeping the money, my XXXX and the salary for some kind of reason, who knows for how long?! i never imagined this is can happening in US?!

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 2023-12-02
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Us auto sales illegally sold my information to westlake portfolio management and they just recently repossessed my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX tn. I got a XXXX XXXX accord for the price on the window {$2900.00}. I didn't try to negotiate other than asking for a break because the car was disgustingly a filthy disgrace but of course the answer was no. I paid {$1500.00} in cash that day with a deferred pmt to be made in couple weeks of {$280.00}. So I paid for a little bit at $ 285 monthly then started paying weekly at {$80.00} then for a while at {$50.00} either way it went i was never coming out anywhere close to on top. So each week that i was making payments of {$80.00} or {$50.00} i was getting hit with late fees because it wasnt {$280.00} everytime i made that pymnt and four times a month which now has me at {$2000.00} in late fees are you kidding me? which was coming was coming directly out of my check so to make a long story short a year and a half later after paying over {$5000.00} on a {$3000.00} car that was negotiable at the lot I still owe {$6000.00} on this car I've called the company ask them for a payoff less than the amount it says if I paid in full no it's non-negotiable they said my payment is due every XXXX {$80.00} comes out of my check in account and last week they already had me turned into the credit bureau when I checked my XXXXredit score on XXXX they already turned it in that I didn't make a payment and it was set for {$280.00} not the {$80.00} I am a believer that they had me on my credit report on XXXX just to get those late fees again this is wrong to do me this way just because I have bad credit because of a bad divorce they have taken advantage of me like the rest of the world has and I'm quite sick of it and I did forget to say I was driving the car to work one day it was day XXXX that I had bought this car and I was on the side of the road the axle broke and the guy at the car lot XXXX XXXX who sold it to me knew this about the car yeah it did not tell me I also have put about {$3000.00} into this car just to make sure I get a way to work to pay for this car I will never use credit acceptance I will walk before I use this company again they have harassed me the day after I make a payment and I've asked them to stop they refuse and do what they want

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 2019-06-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, Care Credit, calls my house repeatedly every day. The number of calls varies ; it can be five or more calls per day. Its an automated system that calls. If you answer the phone a computer tells you to hold on the line and a representative will be with you shortly. Then you are placed on hold.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a XXXXXXXX XXXX XXXX. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to XXXX : there is only history for 3 months in XXXX ; XXXX  60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to EXPERIAN : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. Experian shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my Experian File. 

As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
XXXX shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Robocall asking to me to contact them regarding debt collection even though I have informed them that they have the wrong number and person.

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 2023-03-28
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:
I recently found out i had some fraudulent accounts on my credit report. i contacted the police dept as instructed by the bureaus. then i sent them proof, but they still wouldn't take these accounts of my credit 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 2017-12-06
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navient has started calling me again on XXXX/XXXX/XXXX at XXXX from XXXX. Trying to get information on a family member ( who does not live with me ). I told them to stop calling me in the past. Here they go calling again. Im currently taking legal actions against Navient for the false accounts on my credit. Why would I give them information to falsify on someone 's else credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Westwood Legal
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted XX/XX/XXXX by XXXX XXXX with Trinity Everest Associates claiming there is pending action and a lawsuit against me for an unpaid XX/XX/XXXX Visa account and all bank accounts, tax returns and anything tied to my social security number would be frozen. I have no bad debt, and dealt with a fraudulent claim in XX/XX/XXXX regarding the same account number he provided. I told him this, at first he was nice, said he would help. I said I've received nothing by mail. I felt it would be best to avoid giving any personal data that could be used if this was a phishing call, or attempted fraud. He claimed they mailed notice on XXXX to a street address I lived at in XXXX, but coupled with a city I lived in in XXXX, and my current home address. Told him nothing has been received at that address. He asked if it was my current address and I repeated nothing has been received at that address. He demanded to know if it was my home address and I said I didn't intend to verify or provide any information except to prove the debt wasn't mine. He became belligerent, said I had 2 hours to provide a letter to prove that. I stated I was at work and couldn't do that. He asked when I would be home, I said around XXXX XX/XX/XXXX. He asked where I was, I thought to determine time zone. I said I was in XXXX XXXX and he cut me off, became furious, said OH, now you are in XXXX, your account won't be here by then. They will just proceed to sue you. I was flustered, stated I worked in an adjacent state, which I should not have revealed. He said we were done, gave his extension was XXXX and said good luck and hung up on me. I called XXXX Visa and confirmed there was never an account with that number in my name. They have records of the problem in XX/XX/XXXX. I have documentation the XXXX account I did have was paid in full to the company that acquired that debt. They called from XXXX and left call back number of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Review the attached documents ; I request an investigation into accounts reporting me as late, despite my timely 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 explanation