BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my report now for over 8 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Texas. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are 2 others that do not reflect the last payment date. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

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 2019-02-20
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I travel a lot and over the past few months have spoken to Wells Fargo XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch manager submitted problem to Resolution Team on my issue ) XXXXXXXX XXXX I complained to XXXX XXXX as per below a banker. XXXX XXXX. The branch XXXX, XXXX XXXX Managers Manager, is aware of my having problems. 

XX/XX/23 at XXXX I was at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To resolve my issue : The bank thinks my XXXX account is being used fraudulently. During the time I was setting up my accounts my customers were trying to send me money and complained when the transaction failed to go through. 

The online system at Wells Fargo lets you set up 4 accounts for transfer. I am including my tokens for these accounts. 

Below are the tokens that I want restored by Wells Fargo. 

Phone : XXXX XXXX : XXXX Secondary : XXXX Other : XXXX It is ludicrous to tell me that I can not do XXXX transactions using an email and phone number i have had for 30 years and appears on all my business cards, financial transactions etc.

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 2019-10-07
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted an electronic payment for my XX/XX/2019 mortgage, which PNC did not receive until the XXXX of the month. PNC charged me a late fee of {$130.00}. I had already sent in my payment, which included extra principle payment over my required amount. PNC took my extra payment and applied it to the late fee they assessed. 

I called PNC to request a late fee waiver, since I am eligible to have one. I was told that since the fee was paid there is nothing due and they won't refund my {$130.00} or apply it to my mortgage principle as I intended. PNC said it was keeping my money.

PNC took my money and is hiding behind a technicality to withhold my money. I pay on-time except for one late payment over a year ago. I pay more than the required amount each month. PNC is alienating one of their reliable customers over this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent this company a dispute with valid proof to verify this amount alleged is entirely incorrect. They completely ignored my dispute of the amount and reported this to the credit bureaus. This is a medical debt due to an accident in which I had auto insurance and medical insurance as a federal employee. I explained to this terrible company that my insurance reduced this bill from {$970.00} to {$450.00} which would mean my auto insurance is only responsible to pay 80 % of that amount. However this physician never corrected the billing and took a check of {$750.00} from my auto insurance which is entirely fraudulent. The provider agreed to accept my federal insurance thus accepting the provided discount for being federally insured. On XX/XX/2020 I requested for the collection agency to provide me Details about XXXX XXXX in/out of network status as it pertains to XXXX XXXX. XXXX XXXX classified themselves as an IN-NETWORK provider as such by contract they agreed to a discounted rate for members of the XXXX XXXX federal plan. I need proof that on the date of service XXXX XXXX was considered out of network thus never agreed to any discounted rate. I have attached proof from my insurance provider showing XXXX XXXX in network status AND the agreed upon discount of the bill. If XXXX XXXX classified themselves as in network they are only entitled to the amount agreed upon with my medical insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Their investigation did not fix an error on your report

Complaint:
Notice, I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third part involved. Notice, it is a fact the FCRA governs all credit reporting, and all information shall be verified before furnished ( case omitted ). Notice, it is a fact EXPERIAN has acted against my consumer privacy and protections by not verifying the account ( XXXX XXXX XXXX ). Notice, I have requested through numerous affidavits for this documentary evidence, every time none is presented back not even a lawful response with their affidavit ( by the way is the only lawful way to respond to a affidavit ). This information per the FCRA that is being mistakenly be reported should of been through a 5 step verification ( case omitted ), which was not done at all EXPERIAN just furnish this information from they furnisher for profit, without verification or documentary evidence first. I have submitted the only evidence showing not my account or alleged debt, EXPERIAN chooses to always deny my affidavits or ignore them with stall tactics. I ask EXPERIAN please have a Senior Executive under penalty of perjury say they received any consent or permission or anything from me to use my consumer information or furnish anything in the first place. This inaccurate reporting is creating financial hardship on me and my family. EXPERIAN is participating in CIVIL XXXX acts. EXPERIAN and XXXX XXXX XXXX are trying EXTORT me for large sums of money. Reporting and sending me deceptive letters through mail to make me think I owe something I do not owe.

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 2019-10-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent ( 4 ) certified dispute letter requests dated XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 to either verify and if could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Someone fraud my name with a XXXX  XXXX card for {$460.00} XXXX XXXX XX/XX/2017 File number: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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
The creditor XXXX has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, Equifax refuses to correct the erroneous reporting. I have provided documentation to Equifax from the creditor, and XXXX has confirmed that they sent the proper information for Equifax to change the account status from closed to open and to update the actual balance for each account, but Equifax refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted Equifax directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. Equifax is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: TN
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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I saw some inquiries as well I don't know about : 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 2023-08-18
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 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts :

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 2022-01-03
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Customer ID Number : XXXX Loan Number : XXXX I would like the XXXX XXXX 60 day late payment on account XXXX ( Sallie Mae ) -- to be removed. This is a clear inaccuracy. Sallie Mae is reporting to the credit bureaus that i am on time and paid as agreed for XX/XX/2019 but 60 days late for XX/XX/2019. THERE ARE ONLY 30 DAYS IN A MONTH. HOW CAN I BE 60 DAYS LATE IN ONE MONTH. Please update it to the correct reporting or delete the CLEAR INACCURACY.

To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Sallie Mae for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, 3 years ago, I was in a financial dilemma due to my health issues and hospitalization. As a result, 1 of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid the 60 days late payment on one occasion over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your com
pany but now the 1 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work and lease a new apartment, but the negative remarks are hurting my efforts. The negative remarks stop all chances of me obtaining my goal. I have been constantly denied from any and all credit products such as loans, credit cards, and even apartment leases. 



This is where my Goodwill Request comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF- Universals Data Form and fax it to the credit bureaus to remove those entries. 



The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 



King Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

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 2023-01-13
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX XXXX XXXX XXXX XXXX. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

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 2022-01-03
Company: Velocity Portfolio Group
State: GA
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:
Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated XX/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 explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX in XXXX Michigan ran a credit inquiry on me without my permission. I noticed it on my credit report and contacted them. They were of NO assistance in the matter. I already have an open dialogue/dispute ongoing with the company about a fraudulent account they allowed to be opened in my name in XXXX of XXXX. The bill for that fraudulent account went into collections and still remains on my credit report.

Company response to consumer: Closed with non-monetary relief