BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED and CORRECTED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 attempt to correct my XXXX, XXXX, and TRANSUNION personal credit report ( s ). I have identified fraudulent accounts and inquiries. Please remove and block listed accounts and  inquiries below : Accounts - NAME : XXXX ACCOUNT # : XXXX BALANCE : {$260.00} NAME : XXXX XXXX XXXX # : XXXX BALANCE : {$9.00} NAME : XXXX. XXXX, XXXX ACCOUNT # : XXXX BALANCE : {$400.00} Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am requesting the listed accounts to be permanently removed and block from my credit report ( s ). These accounts and fraudulent, unverifiable, and violate my consumer rights.

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 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed the debt on my credit report and disputes with the credit bureau. The credit bureau stated the company verified the debt. I again disputed the debt as unknown and I received the same results. I contacted the company that's stating I owe the debt to inform of invalid account and they sent a letter showing a statement in my name. I again called and asked for proof that I signed up for that debt and I also asked for proof of a document showing they had the right to collect it and that they own it other than showing me a statement. The company sent the statement copy and nothing else. I then sent a certified letter stating the company had 10 days after receipt to provide me proof of my signage of this invalid account and proof of owning docs for this particular debt andnif not, they need to delete it ... and once again, the company provided me with their company letter showing the name of company owed which was not proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After doing several disputes with XXXX, and Transunion. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both XXXX  and Transunion failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky 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 2020-05-22
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander Consumer USA loaned me {$16000.00} in 2016 with a variable interest rate. Also my monthly payment is applied ( 95 % to interest, 5 % to principal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX  and as of todays date XXXX hasn't complied with my request.

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 2020-09-06
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020-XX/XX/2020my debit card was stolen along with my wallet. A total of XXXX $ was sent to XXXX XXXX  and XXXX XXXX in that time frame, I have disputed the charges filed a police report and called and reported the card stolen my claim was denied for unknown reasons. Ive submitted all the nessasary documents including filing a police report and my claim was still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 2020-01-23
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 information incorrect

Complaint:
First off your a bunch of lousy discriminating XXXX XXXX Now say you can't handle this one Equifax and XXXX are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a payday loan in XXXX thru XXXX XXXX XXXX. The only payday loan I've ever taken out. I defaulted and in XXXX I was contacted in XXXX by a collection agency to settle the debt. Which I did and have a paid in full letter. Then the following month I was contacted again by a separate agency telling me I paid the wrong people. So again I settled the debt and received a separate paid in full letter which I still have. Now 7 years later another company has reported the same debt on my credit file and placed it for collection. I will not pay the same debt again. I want this collection removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I checked alert on my report and called Equifax on XXXX asked about that it is ( A FM was filed at XXXX XXXX GXXXX XXXX  XXXX ). A representative explained this is an error will be rectified soon. I called on XXXX again but this time another representative explained me this due to your secured loan if you taken, I confirm from XXXX XXXX finance Manager about this entry but he denied and explained there is no procedure like this. I am concerned because EQUIFAX is not providing me a right information about my file. please confirm that how they will rectify this which is most important for me because of my mortgage renewal is due soon. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that XXXX is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Corporate

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 2020-09-06
Company: Experian Information Solutions Inc.
State: NV
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 aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.

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 2018-09-17
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on 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 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on 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 2019-11-13
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to cancel the PMI on my mortgage for years now and Dietch Financial keeps finding reasons why they can't do that. Most recently, I submitted to have my PMI cancelled and they told me I need to have an appraisal done on the home. An appraiser came to my home on XX/XX/XXXX and completed the appraisal. After hearing nothing from Ditech for a month, I reached out to them to obtain a copy of the appraisal. Today, Ditech left me a voicemail and told me that the appraisal that was done in XXXX was not done correctly and they need to do another appraisal. I have still not received a copy of the appraisal not was I told what was wrong with the first appraisal, just that it was wrong. When I called Ditech back at the number the agent provided, I had great difficulty getting connected with the agent who called me even though I had her direct extension. After a few attempts to connect with I was finally ( gruffly ) transferred to her extension. I got her voice mail and I left her a message letting her know that I approve having another appraisal done. I think Ditech is shrining me along to get more PMI payments out of me because we are now coming up on two months after the initial appraisal and I'm not being told we have to do another appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Company Transunion still reporting incorrect debt that has been settled and I am no longer liable for. 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 2017-08-11
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I received an email from " XXXX XXXX XXXX XXXX XXXX via XXXX '' informing me that XXXX was changing loan servicer from ACS to XXXX. This email was sent to " XXXX '' which seems to be a listserv they created for everyone who has a Perkins loan within the XXXX system. Someone else was able to respond to that email with questions, which blasted out to everyone. This violates privacy and data sharing practices. Additionally, much of the communications around this Perkins loan has been sketchy and has made me think that there is fraud involved. I was n't aware I had a Perkins loan until I received an overdue notice from ACS ( to my parents address, not to me ) which was written in a way that was intentionally misleading. I owed {$200.00} at the time but it gave me the full amount based on what would happen if I did n't pay, and told me I was seriously delinquent, even though they had not communicated anything to me earlier. This hit my credit score until I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have Creditor listed as XXXX XXXX XXXX of XXXX Florida on a letter from a debt collector ( XXXX XXXX at FirstPoint Collection Resources , Inc. located at XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX of XXXX are claiming that I owe them and have not listed the reason for this debt. 
They assigned this account number to me XXXX with FirstPoint Debt Collectors without any reason. 

I never called XXXX XXXX and when I try contacting First Point they just told me I had to pay for services I did not use. 

They charged me for {$990.00} and could not produce any evidence that I used their services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX COLLECTION XXXX/XXXX/EF XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX/XXXX/EF Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX  XXXX XXXX/XXXX  credit company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history as soon as possible.

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