BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/XXXX I was made aware of an adverse collection on my Transunion credit report as I sought unrelated credit. The item purported to show {$2400.00} due to XXXX XXXX XXXX. 

After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly. 

Also, on XX/XX/XXXX, I contacted XXXX XXXX  to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet. 

Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or XXXX XXXX XXXX for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records. 
Finally, on XX/XX/XXXX, I received a letter from Transunion that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.

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 2017-09-23
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This company outright steals from their customers. I knew going in that the interest rate was predatory but also knew I was going to make extra payments and pay it off as soon as possible. First off, they make it as hard as humanly possible to make extra payments. They say you can do it online but you ca n't. Their website is always having " technical difficulties ''. I did manage to finally make additional principal payments and when it came time for my final payment to come out my balance was less than {$50.00} and yet they deducted my usual full loan payment of {$110.00} out of my account. I spent close to an hour on the phone with them, part of which included a 3-way call with my bank to confirm the amount removed from my account which they did. Even after all that they would n't give me my money back. They said they were going to " escalate the matter '' and call me back but never did. They are stealing from people with emergencies. They are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently got a collection record on my XXXX  credit report from CCS collections saying that I own an amount of XXXX dollars to XXXX XXXX XXXX which I never do business with. It showed up on my account around XX/XX/2019 or so and the account was opened almost 4 years ago. I called equifax about this and tried to dispute it. But nothing happened over a week. this derogatory mark seriously damaged my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Earlier today I got a junk call from someone wanting to consolidate my credit card debt via a XXXX XXXX card to be issued bearing zero interest. 

They seemed to know what credit cards I have and said they got the information from Experian. I do have an account with Experian but have received no alerts from them. 

I'm quite upset that an obviously unscrupulous person or organization has access to my credit information from Experian. I thought the whole idea of Experian was to monitor fraudulent inquiries. 

I don't know what to do. It is impossible to speak with a live person at Experian. I don't know why I should continue to do business with Experian.

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 2019-06-03
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
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:
I am being pursued to make payments on an XXXX account that I am currenly using. The amount being so called requested is now up to {$800.00} which I am refusing to pay. this account was opened in XX/XX/2018 and the XXXX is and has always been in my car. The City of XXXX XXXX and The State of New York and now a LAw firm in Texas wants money. There not going to get any money from me. 

New York State takes money out of my account each and every month for my XXXX tolls and saying I owe them money and now facing fines of & XXXX and revokeing my car registration. I couldn't give XXXX if they have my vehicle on cameras. MY XXXX IS ATTACHED TO MY WINDOW AND HAS BEEN IN MY VEHICLE SINCE XX/XX/2018 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 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-06-03
Company: Amsher Collection Services, Inc.
State: AL
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:
I disputed the information on my credit report because I have been relatively homeless 2014. I have been unable to sustain employment and am just getting back on my feet. I checked my credit because of potential housing and saw accounts that I didn't open. After disputing them with XXXX, I was told they were verified accurate. I don't even have an ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Public record information inaccurate

Complaint:
I have recently applied for credit twice and both times I have been denied due a public record recording on my file. I am attaching the most recent denial that states the only reason I was denied credit from XXXX was XXXX A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. 

I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. 

I have submitted a letter to Equifax in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report. This bankruptcy just recently appeared on my credit report within the last year. 

I further disagree with the risk factors Equifax is reporting on my reports : There is a bankruptcy on your credit report Lack of sufficient credit history The balance amount paid down on your open student loan accounts is too low

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2017-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XXXX XXXX XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was due to mature in XX/XX/XXXX. My loan has been sold to several servicers over the last ( almost ) XXXX years. I was told that when my loan matured, I would owe an outstanding principal of {$6700.00} by XX/XX/XXXX. Rushmore had recently acquired my loan, so they were not able to tell me why I owed this amount. 

I have requested my closing paperwork. Not even a real estate broker can explain to me why I owe this amount. 

I have submitted applications for assistance since XXXX of last year. I was approved for a trial modification in XX/XX/XXXX. I made my first payment on the trial modification in XX/XX/XXXX, before it was due. A few days later, I received another application for assistance. 

I have also received a piece of mail stating that some of my interest was not applied properly when my servicer switched from XXXX XXXX to Rushmore. This is concerning. 

I can not get an answer as to why I owe this amount to Rushmore. I have been working with a HUD certified housing counselor since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
These items where listed inside of a bankruptcy thats shouldnt still be coming up .on my credit report .Its against the law for these things to show up on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Suntrust were experiencing online issues, during this time were not able to access the account as we could before on a daily basis. This took place over a 30 to 35 day period of not having access or be able to perform payroll After noticing fees and account overdrawn, I contacted the bank on several occasions, even went into the bank Personally at least twice ... ..They did refund 2 of the fees, However ... .Those were the ones that they did just to be saying so

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 2018-12-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX plays a fair game, making this action easy for me and for my wife. 
XXXX and Experian sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.

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 2022-11-18
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:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX ( CLOSED ) Account Number : XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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 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 2021-07-15
Company: PNC Bank N.A.
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: Was not notified of investigation status or results

Complaint:
STILL REPORTING LATE PAYMENTS AND CHARGE OFF WITHOUT VALIDATION OF DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: MS
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 identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Report Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A 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 permission.

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 2021-07-15
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PDQ Services, Inc reached out to me in 2020 regarding a medical debt from XXXX XXXX XXXX Associates. I sent them a letter challenging the debt and PDQ Services , Inc proceeded to put the negative remark on my XXXX report anyway. After noticing the negative remark on my credit report, I sent a second letter for debt validation and they responded to me after 90 days with a copy of some paperwork from XXXX XXXX XXXX XXXX which gave details regarding my medical history which is against the HIPPA Act laws. I am requesting that PDQ Services , Inc. remove any negative information off of all consumer reporting agencies associated to my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from TARGET CARD SERVICES. TARGET CARD SERVICES has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. TARGET CARD SERVICES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). TARGET CARD SERVICES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. TARGET CARD SERVICES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? TARGET CARD SERVICES has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). TARGET CARD SERVICES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified TARGET CARD SERVICES in writing that I refuse to pay the alleged debt and wish TARGET CARD SERVICES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since TARGET CARD SERVICES has failed to comply with provisions of 15 usc 1692 TARGET CARD SERVICES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Navient Account XXXX has been charged off for more than 7 years and should be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. 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 a account without my written instructions.

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