BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. TransUnion and XXXX have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for TransUnion and XXXX to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, TransUnion XXXX XXXX XXXX XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to TransUnion and XXXX. I am not including XXXX because they have removed the Data Furnishes.

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 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
opened XX/XX/2014 in the amount of XXXX dollars. I have disputed this account and they have yet to remove it. THIS IS NOT MY ACCOUNT and they will not send me verified paperwork of the original account SIGNED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: MARINER FINANCE, LLC
State: DE
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 did not request or give any information towards 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 2018-03-20
Company: First Data Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
They called me about a year, year and a half ago and said I need to make a payment. I thought it was a different company and gave him my information when I realized the information was not matching my loan and had the card company give it back. They said I better not do that. Then I asked for dates and names they always gave me different dates and different middle name. Then they refuse to give me any information. I started getting calls saying I was going to jail and they were putting a lien on my driver 's license. Now they are saying they are going to have court papers delivered to me. I check with district court there is nothing like this under my name. Then today they call my family member and left a message that they will deliver these " papers '' to me at my home or work tomorrow. They called from an unknown number. My family member forwards the message to me. I have save 2 or 3 of the recordings they sent 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 2018-05-02
Company: Experian Information Solutions 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:
Experian credit bureau has a XXXX XXXX XXXX inquiry dated XX/XX/2018. This does not belong to me and I would like to have this inquiry removed immediately. 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 non-monetary relief
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am repeatedly receiving phone calls at XXXX XXXX and after XXXX XXXX. from XXXX XXXX XXXX representatives for a collection account and debt from XXXX XXXX, XX/XX/2020 for {$2400.00} thats not my account or debt. The collection account is listed on my Trans Union, XXXX  and XXXX credit report. XXXX XXXX XXXX representatives is steady calling me annoying and harassing me, using profane language against me, making threats of XXXX  and XXXX against me, threatening me with arrest, jail and prison time, all for an account and debt, thats not my account or debt. I am scared and in fear of my life. XXXX XXXX XXXX  business practices is dishonest, unethical, illegal and unlawful. XXXX XXXX XXXX is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law.

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 2021-09-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I paid for certified letter with return receipt disputing accounts on my credit report.. I havent heard nothing back. Please remove its past the 30 days. Please remove!

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 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A fraudulent ATM withdrawal for {$300.00} approved in XXXX, Fl XXXX ATM on XX/XX/XXXX around XXXX XXXX, a second attempt to withdraw {$200.00} at same ATM was denied as it was cited as fraud. At the time of ATM withdrawal I was at work in my hometown approximately 800 miles away with my debit card in my possession. Bank of America notified me of fraud immediately and I confirmed that I did not make this transaction within 30 minutes of notification. I followed up with BoA at XXXX that evening to ensure bank had all the information they needed from me, and to clarify if I needed to take any additional action. Police department in XXXX, Fl notified of fraud on XX/XX/XXXX- I was advised by detective that ATM footage is " difficult to retrieve '' and to pursue matter with bank. I received a letter from BoA on XX/XX/XXXX stating that temporary credit that was issued on the date of the incident will be removed on XX/XX/XXXX. When I called BoA on XX/XX/XXXX I  was told that because correct pin number was used and that account was not completely depleted money will not be refunded because it must have been someone with personal knowledge or authority to access my account. On XX/XX/XXXXI asked that claim be resubmitted.

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 monetary relief
Consumer complaint received 2021-09-13
Company: LEXISNEXIS
State: IL
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 disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 XXXX # XXXX, XX/XX/21 # XXXX still referencing bankruptcy. 
XXXX XX/XX/21 # XXXX, XX/XX/21 XXXX verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 # XXXX all still referencing the bankruptcy in there files. Not one time has any dispute come back no bankruptcy and the common denominator here is LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've requested a reasonable settlement offer to compensate for damages as a result of Wells Fargo reporting information to consumer reporting agencies, stemming from accounts opened by them which I did not need or want. The offer ( s ) made to me do not compensate for damages including potential interest on monies I was unable to deposit because I could not open deposit accounts, due to info reported, as mentioned before. I was offered an amount of {$3800.00} by XXXX XXXX in XXXX of 2019, another offer of {$500.00} made via mediation session recently, both offers do not cover damages sustained due to inability to open accounts The offers were accepted, however, do not compensate and do not release Wells Fargo of any claims. Further, I did not sign anything releasing Wells Fargo of claims. Failing to make a reasonable settlement offer, I request an address make file suit.

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 2018-03-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX upon viewing my credit file via XXXX  credit monitoring, I noticed a collection account by Resurgent Capital Services of a debt that I have no recollection of. Worth noting is that this is the only collection account reflecting on my credit file and has caused my credit score to significantly plummet.

I have never received any communication of this debt from Resurgent Capital Sevice. More importantly, they did not provide me with any notification what-so-ever of my right to dispute the debt.

Today, onXX/XX/XXXX, I contacted the above-mentioned collection agency and spoke to an agent, who I asked to verify their mailing address. Attached is a copy of the letter I mailed to them on XX/XX/XXXX asking for a verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of ID theft. Please have them remove the inaccurate accounts listed

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Through multiple attempts to have these accounts verified as accurate, the bureaus have failed to provide me any proof that these accounts belong to me. 

I have stated on several occasions that these accounts do not belong to me and belong to someone with a similar name and I am demanding these accounts be deleted as they are damaging my credit reports, or that the reporting bureau provides proof of verification and accuracy of this account. They have failed to do so. 

Account details : XXXX XXXX XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2018-02-10
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX  credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX  saying the debt is mine but refuse to provide and proof that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
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 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts 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 2018-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX Loan # XXXX I would like to file a complaint against Select Portfolio Servicing , Inc . I have been requesting assistance for my property. I have submitted numerous applications, and I have been denied. 
There are several programs that Select Portfolio Servicing , Inc. should have made available for my property as the HAM Program, The DOJ Settlement, The reduction of principal and late payments, however none was provided to me. 
My last submission was on XX/XX/XXXX. Select Portfolio Servicing, Inc. sent a letter dated XX/XX/XXXX with a repayment plan of {$6500.00}. 
The {$6500.00} monthly payment is excessively high, and is not feasible. It will only make me go back into default with this excessive monthly payment. 
Please help me keep my home. 
I would like to keep my home. 
I would like to be considered for a reduction of principal and interest, as it would make my monthly payments more affordable. 

Thanking you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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/XXXX at XXXXXXXX XXXX I made a {$1000.00} deposit to AMT Machine ( XXXX ) Located at XXXX XXXX XXXX, XXXX, MD XXXX At the time of the deposit, the machine advised that there is an error and the funds will not be returned or available. A prompt advised how much funds were deposited ... I entered {$1000.00}, a receipt was printed. 

Another prompt advised if the amount of the receipt does not correspond to the deposit, to contact XXXX. I contact that number at XXXX to enter a claim. I was met with rude and unprofessional staff when I attempted to escalate the call. 

They are retaliating against me. I requested to speak with a supervisor, they placed me on hold for an hour and transferred me to the Fraud Department. They called me " ma'am '' multiple times, laughed at my expense. When I called back to get transferred to a supervisor, they disconnect the call. 

I am asking where is the money that I deposited in the ATM, can I please have access to my funds? They have not provided me a resolution or access to my funds. 

I checked the ATM machine yesterday and this morning XXXX XX/XX/XXXX XXXX and it is functioning and accepting funds and withdrawals. Please advise where my funds are? 

I spoke with the following people at Bank of America : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX  No resolution!

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 monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 2018-05-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I sent an email to Navient regarding their consistent misapplication of funds in my account. They are lowering amounts showing due and pushing due dates back without my consent. I have instructed them not to alter due dates or amounts due when I add extra to my payments each month. 

When I emailed Navient, I got an auto-reply thinking me for my request to alter my due date. I am just dumbfounded how this company can be trusted with management of so many student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to settle the debt several times by phone and they refuse to settle or accept any payment other than the whole amount at one time, Ive asked them to send me the documents about the debt and theyve refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX sent me a refund check in the mail for the amount of {$600.00} on XX/XX/XXXX. I  deposited it through my mobile bank. Bank showed check went through. The next day the check came back out with a fee of {$5.00}. I called my bank they said it said " referred to maker. '' I called heartland XXXX they said check was cleared, they said they would look into it and get back to me with what they found, never did. I called back and they said check is cleared and nothing they can do and they would look into it to see what was going on, never heard back. I called today XX/XX/XXXX and they said they could n't do anything and for me to call and file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account on my credit reports that I didn't recognize. I disputed with the credit bureaus on XX/XX/19. The account came back verified. I also sent a letter requesting validation from Diversified Consultants on XX/XX/19. ( Tracking XXXX XXXX XXXX XXXX XXXX ). I never received a response or a proper validation from Diversified Consultants. 

Being that there is another collection company collecting on the SAME DEBT, I didn't expect to get a response from them. It is illegal for two collection companies to collect on the same debt. 

Please delete this account from my credit reports.

Company response to consumer: Closed with explanation