BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX 's client XXXX XXXX is an identity theft victim. For several months XXXX has been working on the behalf of XXXX XXXX to resolve her identity theft issues. XXXX XXXX was recently advised in a letter from TransUnion they were not able to comply with FCRA because a police report was not provided to them in an order to dispute information related to the identity theft on her TransUnion credit report. While a police report was not provided, a police information sheet along with her notarized FTC affidavit with her police report information and reporting officer was given. TransUnion is currently in violation of the FCRA by failing to remove fraudulent related information from a credit report of a victim of identity theft after that information was disputed. The items are fraudulent inquiries from XXXX XXXX X/XX/2016, X/XX/2016 and XXXX X/XX/2016.

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 2017-11-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX dba XXXX XXXX is reporting {$6400.00} owed to my XXXX and Experian Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to XXXX and Experian in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my XXXX & Experian Reports.

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 2019-04-29
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017 i make a huge mistake i had an emergency on my family so i decide to get a loan towards my vehicle tittle but i never thougt that this choice will be my nightmare because im being paying this loan i don't see the amount to lower it not even a dollat has to be something wrong with thi s agency can you please help me with this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 22 and 23 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due

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 2020-12-15
Company: EQUIFAX, 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:
There are two accounts showing on my report from XXXX XXXX XXXX with the original creditor of XXXX that both show from this year ( XX/XX/2020 and XX/XX/2020 ). I have not been to any doctors, or had any medical procedures in over a year. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX Missouri {$6400.00}

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 explanation
Consumer complaint received 2017-12-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made purchases in XXXX, I should be getting XXXX ( based on chat with XXXX ) points after many attempts XXXX has still yet to transfer the points into my XXXX account. It has been 3 months. XXXX wanted me to call XXXX which I did, and XXXX refused responsibility. Then I called XXXX many times, but never was given a solution or explanation on why I did not get the points. 

In addition, we verified my XXXX account is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: STANDARD MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage that was paid perfectly for 10 year and was set up on auto debit from my checking account. I changed checking account and the payment was not made for one month. The mortgage company made no attempts to contact me after the 10 day grace period. I know they had my correct phone number because they were constantly calling me to refinance the mortgage in question. I contacted the mortgage company and filed a compliant. They told me that it went to a committee and it was voted to remove this from my credit. It was not removed. I can only assume that they do not call customers about late payments so that they can charge late fees.

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 2021-06-01
Company: RS Clark and Associates, 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 status incorrect

Complaint:
RS Clark & Associates continues to monthly report a collection for the amount {$130.00} to XXXX  and XXXX  for an account XXXX that was paid in full on XX/XX/2020. I've called three times and I have sent two letters without any confirmation of this debt being removed from my credit report as it is being wrongfully reported monthly as a collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA. 
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you

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 2019-04-29
Company: EQUIFAX, 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:
I have been dealing with for two months and I sent all my docs. over to the credit Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: CITIBANK, N.A.
State: AZ
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 had a Citibank credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXXI ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted Citibank NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, Citibank continues to show this every month on my credit report statement and this is not the true reflection of my account at present. Citibank agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of this year Citibank continues to report my account status as delinquent 90 days+.

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 2017-12-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX XXXX, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, Experian and XXXX which took effect XXXX XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, XXXX and Experian, to remove these notations -- from my Credit reports -- theses notations are still there.

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 2021-06-01
Company: EQUIFAX, INC.
State: NY
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, 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 have contacted Equifax, XXXX and XXXX  several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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 have contacted XXXX XXXX  and Transunion several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.

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 2018-02-08
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a XXXX customer using their data service all of XXXX with no issues of payments at all, my bill was about $ XXXX I finished my relationship with them, both sides had satisfaction as nothing was owed. I completed my last payment in XXXX and moved to phone carrier XXXX. But recently I missed a few good benefits being a XXXX customer so I decided I'd switch back, this is when the problem was brought up. I entered a XXXX store sometime in XX/XX/XXXX for them to tell me they couldn't service me until a debt owed to a collection company was paid which happened to be Diversified consultants inc. I asked them how was that possible when I paid all of my months of phone service, never late, no issues or anything and the clerks in the store could not tell me how as they said my past account was handled by a different company who they no longer do business with and they had closed my account and sold it off to diversified as charge off debt. So XXXX even though they were the original creditors, could not verify or explain this random debt, only gave me info to contact diversified in which I did, when I did they asked me several different personal questions to they had everything about me except my physical i.d lol and they just said they'd send some account info through mail. I received their mail and it is very vague, no explanation of debt what so ever. It only shows a few different lines and a few different numbers, and random dates. It goes from a balance due being {$150.00} to {$230.00} to {$290.00} to now {$290.00}. This company has literally claimed a XXXX XXXX customer to be delinquent and created their own timeline and numbers then received a call from me because I caught onto the fraudulent act, only to ask me a series of personal questions so they could secure enough up to date personal info on me to place a debt on my credit report. Well I happen to have excellent credit and I have 5years history of onetime payments and no negative activity what so ever. The debt they seek of me is puny in regards to my funds in my bank account and credit card limits but its the injustice of it all, it's the principal, I will not let allow some scam company to bully me into giving them money I don't owe them. Failure on their behalf to provide a copy of any alleged original contract or other instrument bearing my signature with the particular debt in question of fraud, will result in a small claims action against their company. I will be seeking $ 5,000+ in damages for the following : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though Infiniti XXXX XXXX XXXX authorized the vehicle for resale after replacing defective parts. Infiniti is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions, the sales manager contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon Infiniti  XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPCY DISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : 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 explanation