BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and TransUnion Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX  and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.

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 2022-03-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : $ XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.

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 2020-02-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX   XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX/XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

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 2020-02-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This " debt '' came from an inaccuracy in insurance information 4 years ago, which was handled and paid by insurance. It showed that no insurance was available which was a mistake. This account has now gone through several debt collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: NRA Group, LLC
State: GA
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:
I sent a letter to the credit bureaus and to the decbt company and no one sent me anything to verify this infomation. I have called the credit bureaus and they told me that I needed to contact the company which I did. I asked XXXX, XXXX and XXXX and they would not tell how how they verified the information nor would they give me any other information on the phone or threw the mail. I am confused on how you report items on a person credit and can not say how it was verifed.

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 2022-04-26
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a request to dispute charges to XXXX in the amount of {$2000.00} and XXXX in the amount of {$4000.00}. I had a contractor do repairs at my home on XX/XX/2022 and they were to be completed by XX/XX/2022 totaling {$6000.00}. He didn't complete them, I have over {$3500.00} worth of work that he left behind and the wife says the work was completed. I have text and recorded calls of him stating that he was coming back to complete the work. I live in XXXX, XXXX XXXX The City will impose fines and fees for not maintaining your yard, let alone the house. Since the pandemic, they have been somewhat laxed but they are getting back to usual. Why would I spend {$6000.00} to have a contractor work inside and leave some of the work uncompleted outside, the major components of the repair. That logic simply doesn't make since. Now they don't want to complete the job. The day they started, we were expected violatile weather within the following days and they didn't couldn't paint the exterior or replace the glass. He did the same thing at my parents house and the only reason they are receiving anything back is because he had another contractor working with him that didn't want a claim filed against his business. They were simultaneously working on our homes and vanished on both of us until we started threatening them with legal consequences. Since this happened I find that the XXXX I used is out of XXXX and has a background that supports his lack of integrity. They have no intention of returning my money and never intended on coming back to complete the work here or at my parents.

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 2017-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on Equifax and XXXX Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX  not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XX/XX/XXXX, no report XX/XX/XXXX, or XX/XX/XXXX and now reporting again XX/XX/XXXX.  Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XX/XX/XXXX and Last Payment XX/XX/XXXX ... probably correct. 

-- wife loss job in XX/XX/XXXX ( not her acct ) and I have not worked since XX/XX/XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XX/XX/XXXX left message stating they were XXXX XXXXl ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan of XXXX from XXXX. After speaking with XXXX XXXX XXXX indicates XXXX explained the loan process and fees correctly to me. That is a lie and they said they have recorded information they refuse to let me hear the recording. 

They scammed me into a loan that XXXX stated was only 35 % interest but it is 101 % interest. So I made my first payment of {$480.00}. Only to find out {$0.00} went to the principle so they can pull {$41000.00} out of my pocket in 7 years is illegal. They state they are a licensed lender and exempt from the Usery Law but can take {$47000.00}?? 

They will not get {$47000.00} from me. 

I have received two letters from XXXX stating a pay off plan. To pay 13 Months of {$580.00} per month which will cause serious financial hardship. They are refusing to work with me but reporting non-payments to the credit bureaus damaging my credit rating. They are loan sharks trying to steal money from people in a get rich scheme. 

They have illegally called my work and also risking me losing my job by contacting me via XXXX from a ( XXXX ) XXXX number. They contacted me illegally on my XXXX XXXX # XXXX, and a grand total of 16 times. I have tried to report this to the FTC Sentinel Network but they have indicated it has to go through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I have asked Experian, XXXX and XXXX for a more than reinvestigation 6 times. I have not been given this. I have formally asked by mail, I have asked by phone and I have asked online. I have errors on my credit report that they refuse to fix. They do not offer me proof of investigation or proof of the original debt required under the fair credit reporting act. Their employees do the bare minimum of work and millions of consumers pay the price for their negligence. There is a fiduciary duty to uphold the laws set in place to protect people. It does not seem to matter. 


Several of the accounts have the wrong dates reported. By law, the first instance of an account being delinquent is the date in which the 7 year rule starts. XXXX accounts are more than 7 years old. They became delinquent more than 7 years ago. In order to keep them on my credit report, the reporting companies must provide a full accounting of the original account terms along with a full accounting of all payments. They must also have the correct legal name of an individual and the correct SSN and date of birth. If they can not provide ALL of these detail, under the FCRA a debt MUST be deleted. 

ERRORS : # 1. I have a closed credit card from XXXX  XXXX XXXX that is too old to be on my report. If the reporter fails to furnish all of that information and legally required documentation within a 30 day investigation period, the debt must be removed by the XXXX. 

# 2. I have a closed account from XXXX XXXX that is not only too old to be on my credit, but the sum of the original debt was fulfilled at auction and the company did not issue me the positive difference that they made of the vehicle which is illegal. 

# 3 My legal name is incorrect. I have provided legal documentation of my name to these bureaus on more than one occasion and my name is STILL incorrect. Which is causing many errors in credit reporting. 

4 # I have a collection from XXXX XXXX XXXX that was paid to the original account holder. I paid my entire balance on autopay until I canceled the account in person at the California office. They must provide all original payment history to show that I did not. This account also has the wrong dates reported and was fully closed in XXXX XXXX after being paid in full. I did not have an account with XXXX in XXXX at any point in time.

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 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I saw interest charge {$10.00} on my credit card at XX/XX/15. I don't quite understand why it occurs in my account as the autopay was enabled to pay full statement balance every month. The customer service is unable to do the refund.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In 2021, I began requesting the validity of my consumer report be investigated by TransUnion as I noticed MULTIPLE inaccuracies being reported. After TransUnion decided to close their " investigation '', they began updating the comments on the report to say and I quote " Account information disputed by consumer, meets FCRA requirements ''. Let 's expand on this, according to 15 USC 1681 which are the " requirements '' TransUnion claims to " meet '', consumer reporting agencies are to exercise their grave responsibilities with fairness and accuracy, if TransUnion was in fact doing this, there would be no discrepancies as far as what is true and what is not by me as the consumer. Unfortunately, while checking my consumer report, TransUnion 's information does not match the information listed on other consumer reporting agencies. This alone, verifies that TransUnion, not only has violated the very act that it claims to have 'met ' but also is demonstrating being willfully uncompliant. I, as the consumer have the right to hold TransUnion liable for each violation listed in their report on me in accordance to 15 USC 1681n ( a ) ( 1 ) ( A ). I am seeking damages for each violation as the inaccuracies listed on my consumer report has prevent me from being able to obtain the necessary funding to take care of my financial responsibilities and the embarrassment I have faced being denied in public for various accounts. I am demanding full reparations for the trouble caused. How can you as the consumer reporting agency state that the accounts that were disputed met the FCRA when they are inaccurate? This proves that you are not in compliance and you do not understand what " meets the requirements '' mean. In the exhibits, you will see that there are duplicate accounts as well ( another violation ). Since 2021, TransUnion has also deleted quite a bit of these items which is also admittance that they were violating the FCRA.

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 2022-03-22
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company violate my 15 usc rights 1 ) collection shows a dollar amount 2 ) denied me my 1099c form on a charge off account 3 ) denied to validate debit 4 ) told told me on phone attempt to collection a Debit XX/XX/2022 XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2016 Midwest Recovery Systems reported a collection on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX 

I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. 

I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. 

Furthermore, I was not informed of this bill before it showed up on my credit report. I was not contacted by telephone or by mail with any bill by either party. I was not given any opportunity to resolve the issue before it showed up on my credit report. 

Additionally, I believe that Midwest Recovery Systems has since sold this debt to a second debt collector, adding a second collection for the same fraudulent debt to my credit report. I will be filing a second complaint against the second debt collector. 

I have done some research and found that this company has done the same thing or similar to many other people. It needs to stop. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To Specialized Loan Servicing / XXXX XXXX XXXX XXXX XXXX, Please verify that there are no other existing versions of the alleged note other than the two you have supplied to us. We desire that there be no more surprises of differing notes.suddenly appearing. If you are holding other copies that are different in any way, shape or form from these two copies claimed to be the copies of original note please send these to us now..We hope for your cooperation 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 explanation