BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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: Information belongs to someone else

Complaint:
This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2022-09-10
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA 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 2023-07-17
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: Information belongs to someone else

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no 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 2023-03-23
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, My name is : XXXX XXXX XXXX I was a victim of a crime in Florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I was a victim of a crime, the state of Florida paid all my medical bills. This bill is for the ambulance that took me to the hospital. The original debtors ( GLOBAL MEDICAL RESPONSE ) were paid but didn't mark it as paid. Then 7 years later I just got contacted by ( XXXX XXXX XXXX ) saying I owe a collection account of {$460.00}, that past is due as of XX/XX/XXXX. They have already marked my credit derogatory. I never once in 7 years was contacted by the original debtors saying I owed any money. The judge and police officer in the case said all the bills were taken care of and paid for. I believe this was a filling error. According to the state of Florida, they received the money and probably didn't mark it as paid, then sold it over to a new debtor 7 years later in a mass sale of debt clients. I know this to be true because my medical bills exceeded {$18000.00} and everyone else got paid. This was for an ambulance service and was the very first bill I submitted to the state. According to Florida law I and not liable for any medical bills in my scenario since I was a victim of a crime that they prosecuted. 

In accordance with the Fair Credit Reporting Act XXXX ACCOUNT # XXXX, PHOENIX FINANCIAL SERVICE has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX MY XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Creditor : 09 XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$570.00} ; XXXX XXXX ( Original XXXX : XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; CXXXX XXXXXX/XX/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 2022-09-10
Company: Experian Information Solutions Inc.
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:
XXXX, XXXX, and EXPERIAN have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a 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 2022-12-06
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:
My name and personal info were in the XXXX XXXX XXXX and EQUIFAX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2022-09-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have two accounts on my credit report XXXX XXXXXXXX and XXXX  that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023, I submitted a payment to Navient to be processed on XX/XX/2023. On XX/XX/2023, I received a receipt from Navient that stated the following : " XXXX, I'd be more than happy to assist you regarding payments received for your student loan account. 
Payments in the amounts of {$210.00} and {$360.00} were received XX/XX/2023 and both were applied to loan XXXX. 
Best Regards, XXXX, Loan Servicing Specialist Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref '' I spoke with Navient today and they claim that these payments were actually not applied. When they asked me to verify my identity, I gave them my current address which they claim to not have as my current address. They claim their records show an address where I lived XXXX  years ago despite me having received mail from them at my current address as recently as XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Debt Collectors International, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Threatened to take legal action on debt that I don't remember contract with that company they are trying to collect for wasn't specified on contract. Wants to summons me to court to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The buyers of our house were pre-approved by Wells Fargo ( XXXX XXXX XXXX XXXX XXXX, AK XXXX, Branch Manager XXXX XXXX XXXX phone ( XXXX ) XXXX ) and we entered contract with the buyers and their lender ( Wells Fargo ) to close the sale XX/XX/XXXX. When the sale did not close the XXXX ( violating the terms of the contract ) the lender blamed their client ( the buyers ) for not getting them information in a timely manner. We were informed by our real estate agent that Wells Fargo had all pertinent paperwork to close the sale on Monday, XX/XX/XXXX and that it went into final underwriting Friday, XXXX but it is still not closed, effecting our ability to pay for the loan on our new house. We have made multiple attempts through our agent to contact the lender. We were told various conflicting information about why they are in violation of the contract, including that the buyers sold their business mid-XXXX leading to them getting a new loan approval. Now, as the lenders it was their responsibility to inform their clients that they should not buy or sell anything large or do anything to affect their credit rating, but Wells Fargo was negligent, did not inform their client and then blamed said client to the process starting over. The buyers are also an immigrant couple with limited knowledge of the English language. I do not believe a translator was provided to them or an adequate attempts made to explain their rights and responsibilities in regards to their loan.

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 2018-04-30
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been attempting to try and remedy negative marks on my credit score by paying off past due debt. Last week I contacted Online Info Services regarding a {$600.00} past due XXXX XXXX XXXX from when I was laid off and ended up selling my house. I initially tried to challenge the amount because I believe it was inaccurate but at this stage I just want it off my credit report. 

When I called today to try and may payment arrangements, the first representative was nice. She told me my only option was to pay the balance in full or make 3 installment payments of {$200.00} each every two weeks. I can not afford that so I explained to her I wanted to set up bi-weekly payments of {$50.00} a week to get the bill paid in full. I also told her I have student loans I am paying on top of my regular bills and medical expenses. She placed me on hold and sent me to a manager. 

The manager was rude, belittling, and insulting. She was not concerned that the debt was incurred during a time I was laid off for more than a year. She basically said my offer to pay what I could afford was unacceptable. If I didn't pay in full, or do the three installment payments she would not accept anything. Period. 

This is a bullying tactic that should not make consumers feel less than human when they are trying to pay off what is owed. I called on my own to make arrangement. I offered to have the payments made every two weeks until paid in full but she basically said what I could afford was unacceptable and her company rejected any attempts to accept a payment from me. 

I've reached out to XXXX XXXX of Ohio to also see if they can step in but I have no other recourse but to file a complaint against them for abusive collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$710.00} ; CHILD SUPPORT ENF XXXX XXXX Balance Owed : {$180.00}.

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 2022-09-10
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:
TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2023-08-19
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'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$550.00}, XXXX XXXX  XXXX Balance Owed : {$19000.00}.

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