BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-11-25
Company: SYNCHRONY FINANCIAL
State: IN
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 have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.

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 2018-03-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. XXXX phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.

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 2019-09-20
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Thursday XX/XX/2019 XXXX I call the Alltran Financial to try to resolve this problem because they have been harassing my XXXX year old aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the XXXX XXXX XXXX XXXX when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX XXXX provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via  email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of this item from my Experian credit report in order to accurately reflect my true credit history.

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 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I need access to my financial data in apps. Please let me use services for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi there, My name is XXXX XXXX and my mortgage was recently sold from XXXX XXXX to Freedom Mortgage. The unfortunate part is that I was in the middle of completing an Insurance Claim Check with XXXX XXXX. I had completed all the steps necessary to receive the final payment from XXXX XXXX in the amount of {$14000.00} but suddenly they sold my loan to another mortgage company. Now, these sales happen all the time but I'm having a hard time getting the money that belongs to me from Freedom Mortgage. I have contacted Freedom Mortgage multiple times and provided all the documents again and yet there seem to be no resolutions. They keep saying that they're reviewing the documents. 

I need your help in retrieving the insurance claim funds that were used to repair my property and my new mortgage company is not releasing them for me. There has to be something that can be done. 

Thank you, 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 2021-02-11
Company: The Bureaus, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened up an account with XXXX for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from XXXX XXXX stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to XXXX XXXX XXXX. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
wells fargo placed me on a loan modification program and at the end of the 6 month trial after I made all payments and on time, they marked the credit report as 120 days. I need wells fargo to make this correction

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 2023-08-03
Company: United PanAm Financial Corp.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received another call from United Auto Credit XX/XX/2023 at XXXX XXXX. The called was missed as pictured in the screenshot. I called back at XXXX XXXX  very upset and disgusted because this is to many times to be calling in one day. At approximately XXXX XXXX  a young lady answered and said thanks for calling United Auto Credit how can I help you. Stated my name and she asked me for verification questions to validate my account. I told her that I was very upset because I have been contacted multiple times in one day by United Auto Credit. She specifically stated that there is a do not call order on my account and she said we aren't supposed to be calling you but they still are calling multiple times a day and it's frustrating. It is stressing my out. I am on XXXX  and don't need anymore stress. She said that I will not receive anymore calla but I don't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: National Credit Systems,Inc.
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:
Yes I had a roommate and she didn't pay her have of the rent I did and when I moved out she still said and ran up the rent and that not fair this is the 2nd time I'm doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
False information was provided about loan product, rates and terms. According to the loan origination officer, the title company alleges that collateral is in trust, which is not on record with the county deeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request. 
XXXX XXXX XXXX, in the amount of {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from Transunion only, requesting a bunch of prove-you-are-you data. XXXX  phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.

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 2017-11-25
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Back in 2015 XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring XXXX XXXX XXXX, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It wasn't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by XXXX XXXX XXXX on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since 2015. They have taken over $30k from me unlawfully. Also, XXXX XXXX XXXX has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact XXXX XXXX XXXX several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Back in XXXX XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring Blitt and Gains, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXXXXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It was n't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by Blitt and Gaines on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since XXXX. They have taken over $ XXXX from me unlawfully. Also, Blitt and Gaines has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact Blitt and Gains several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
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 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