BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Credit Report Reference number : XXXX As I was going through my most recent credit report, I discovered some innacurate and incorrect information on my report. I have done my best to resolve this issues with the reporting agencies but they have not taken care of the problem. 

The following are the accounts that I am concerned about and believe that they are innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # 's : XXXXXXXX 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 XXXXXXXX According to Fair Credit reporting Act ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

* Please also remove all non-account holding inquiries over 30 days. 

I will be waiting to hear from you soon about the resolve of this issue. 

Signed : XXXX XXXX. XX/XX/22

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 2018-10-31
Company: Monterey Financial Services LLC
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:
This account has been on my credit report and It is not mine. I have never done business with this company and I would like this account deleted from my credit report. I tried to contact the credit bureau to review my account and have the account deleted and they returned the account as verified and didn't provide me with any details as to how this account is owed by me. I am requested original documentation for this account to prove that it is mine or have the account permanently deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: SLM CORPORATION
State: TN
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/2019 I was assigned a new account manager since my loans has been in the collections department for some months now due to me missing only 3 months of payment. ( I believe they were XXXX, XXXX and XXXX ) When I spoke with that case manager, I informed her that I wanted to set up my payment for half of the {$300.00} and the other half can be paid in two weeks. ( I have been splitting up my payments in half so they can take money out every two weeks due to me not having {$300.00} all at once. All previous case managers have been okay with doing this for me ) The agent XXXX was giving me push back during the call about the amount that I wanted to pay and instead of setting up my payment she said she was going to put me on hold or transfer me to the loan modification department. Not really knowing what was happening I did wait on the phone for 30 minutes and then I hung up. Fast forward 20 days later I found out that a payment was never set up and that agent put me behind another month for the month of XXXX. I've reached out and talked to multiple agents XX/XX/XXXX or XX/XX/XXXX explaining the situation. The representative that works in the escalations collections department XXXX, was very dry on the phone with me. She sounded like she did not want to help me. Her response was " well what do you want to do? '' My resolution that I thought would be fair is for them to clear the month of XXXX due to an error that was done by their agent. 

XXXX admitted that their agent made a mistake and passed the buck but she also kept stating that I should've called back to make a payment. Even after I told her I never had to be transferred to another department to set up a payment since my information has been in collections. I told her all my account managers have set up my payments but this agent did not want to assist. I then asked to speak with XXXX XXXX manager, she stated he was not available but she would reach out to him to see if they can offer an exception and wipe out the month of XXXX for me. The account manager XXXX that was assigned to me, that works in the collections department never called me back, not once when she figured out that a payment had not been set up. I let the agents know that collections will call you if they are still excepting a payment from you, but this agent XXXX never called back. 

To get me out of collections I have to pay {$1100.00} by the end of this month so I can be back on track for XXXX. I already had them set up 3 payments for XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to take out {$300.00} but that would still leave me short {$270.00} to pay so I am not behind a month. I am not rich by any means and I just want Sallie Mae to be held accountable for the mistake that their agent made

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX Balance : {$340.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX Balance : {$320.00}

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX : {$560.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
calls from Midland fuding LLC different numbers all times of the day. spam mail I also asked for original documents from from original creditor and was not given one. I need this off my credit report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-07-27
Company: EQUIFAX, INC.
State: MO
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 complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XXXX XXXX and Equifax ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: PA
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 these creditors has violated my rights! Under Act 15 U.S.C 1681 section 602 says I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We are writing to complain that the Goldman Sachs Apple Card refuses to issue a credit for returned merhandise in the amount of {$840.00} despite receiving these funds from the XXXX XXXX after we returned the merchandise. The details are as follows : On XX/XX/2021, we purchased a drone from the XXXX XXXX via the Goldman Sachs Apple Card and were charged {$840.00}. This was Order Number XXXX. The shipment was never delivered. 

On XX/XX/XXXX, the XXXX XXXX issued a refund. Subsequently, a neighbor called that she had received the delivery and we picked it up from her, noting that the delivery label had our name but her address ( which has the same street number but a different street several miles away ). We reported it to Apple and were re-charged the amount again on XX/XX/XXXX. 

On XX/XX/XXXX, we return the item unopened to the XXXX XXXX where they refused to accept the return. Instead, we were sent a shipping label and shipped it back on this date. 

On XX/XX/XXXX, the shipment was received by Apple and we were told we would receive a refund in 3-5 business days. That never appeared. Subsequently, we inquired and were told to wait 7 - 10 business days. Still, no refund. 

On XX/XX/XXXX, we disputed the charge with Goldman Sachs Apple Card and were told it would be resolved in 90 days, but the dispute was resolved in favor of the XXXX XXXX just an hour later. We contacted the Apple Store again, received a copy of the credit invoice generated on XX/XX/XXXX showing we were due the refund, and then contacted Goldman Sachs Apple Card who opened a new claim but could not provide an ID for this claim. They also told us there was no evidence we were due a refund and they could not review the credit invoice we provided because that would be " two way communication ''. ( Apparently, they do not take any information from customers during their dispute process before resolving in their own favor. ) So we attempted to provide the invoice via the XXXX chat but were told to contact a specialist and start over again. Having spent many days and hours on this process we declined to start over again. 

At present, there remains a charge of {$840.00} on the Goldman Sachs Apple Card account despite the credit that was issued to Goldman Sachs Apple Card by the Apple Store for this amount on XX/XX/XXXX. In essence, XXXX XXXX is keeping our refund amount rather than returning it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-15
Company: Genesis FS Card Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2023, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX, a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to XXXX Your XXXX XXXX XXXX  account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to XXXX XXXX XXXX XXXX XXXX ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from XXXX XXXX XXXX XXXX XXXX escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " XXXX XXXX XXXX XXXX XXXX is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that XXXX XXXX XXXX XXXX XXXX has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately XXXX days after the electronic notification on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved into XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We have the lease and move-in items checklist proving what we moved in with per signed lease agreements. Upon moving out of the apartments on XX/XX/XXXX we received a bill of listed items that had to be done by their maintenance staff. The listed items were false and inaccurate, one of the items was washer and dryer removal. The charges were submitted to NATIONAL CREDIT SYSTEMS credit agency on XX/XX/XXXX. I have the original lease documents proving these were inaccurate charges as we moved into the apartment and out of the apartment with our own washer and dryer. On XX/XX/XXXX I tried to dispute via XXXX with the dispute being verified as accurate. I attempted to dispute this item again onXX/XX/XXXX with the dispute being marked as " completed investigation of FCRA dispute - consumer disagrees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my multiple 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, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6300.00}.

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