BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  XXXX-Balance {$0.00} XXXXXXXX XXXX XXXX-Balance {$0.00} XXXX-Balance {$2000.00} XXXX XXXXBalance {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This ties in with my complaint against XXXX  XXXX XXXX. The first time, someone tried to take out a payday loan from Golden Valley Lending in my name and have the money go into a XXXX   XXXX XXXX Account that does not belong to me. I called Golden Valley Lending and let them know that the account is NOT mine. They stoppped it that time and I let them know to deny any other loan going to that account that is not mine. They said they'd make a note of it. 

This afternoon, I received an email that it was done again and still going to the same XXXX  XXXX XXXX account. I tried calling but they're closed on Saturdays. The loan was approved and the scammer will now get the money transferred into their XXXX account. 

I didn't initiate this loan. The XXXX  XXXX XXXX XXXX is trying to steal from me again and Golden Valley Lending isn't doing anything to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About 8 month 's ago i discovered i was a victim of identity theft which was very disturbing to me to find out that someone unknown to me had used my personal information to get credit cards, phones etc. under my name and since i was not aware of these accounts they ended up getting charged off and some ended up in collections.At that time i field an FTC REPORT and send it to all credit bureaus and notified them that i am a victim of identity theft. a month later i received my new updated credit report which showed they removed items that was opened up fraudulently, about amount later i got an alert that i have a collection account that is reporting on my credit report i immediately purchased a copy of my credit report and discovered a collection account for an unpaid telephone bill from company called IC SYSTEMS INC, I contacted the company and told them this is a fraudulent account that some one had used my information and the representative asked me if i have a police report and i told them no but i have an FTC report and she said if i get a police report she can remove the account from my credit report, obviously thats what i did and faxed the papers to them and the item still at my credit report. Also this account was not in my credit report originally.

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 2020-08-01
Company: Experian Information Solutions 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 2021-06-10
Company: Absolute Resolutions Corp.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery called and hung up. This debt was written off by the initial company and was removed from my credit report yet they keep trying to collect it. When you do talk to them they are rude and tell you still owe. These calls are always coming from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
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: Public record information inaccurate

Complaint:
TRANSUNION is INACCURATELY reporting a CHAPTER XXXX BANKRUPTCY ( PUBLIC RECORD ) on my credit report. Certified letters were mailed out over the course of last year, XX/XX/XXXX. These letters all included : name, social security #, address, Date of Birth, disputed data was identified on a copy of my credit report, a chronicle detailing why the info is inaccurate, and I requested the information removed, and for Transunion to investigate the dispute and furnish documentation of how this record is correct if they continue/d to report it, because it is not accurate. I have been trying to get this error removed from my file for over a year now and now its already XX/XX/XXXX. Notice has been given to Transunion on plenty of occasions. No response has been provided, to date. Transunion has failed to satisfy their investigation requirements, in defiance of Federal & State laws. I am disputing this records accuracy. Transunions actions are negligently non-compliant and willfully breaching their FCRA duties ( for example, their duty to update the accuracy of information being reported ). -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - Public Records on XXXXredit Reports , as of new XX/XX/XXXX governance state : these records MUST include AND match that same individuals name, address, Social Security # or date of birth, or else the data/record must be removed. This bankruptcy record being reported by Transunion is inaccurate and needs to be deleted, ASAP.

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 2018-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America overcharged me interest on my HELOC. They calculated the interest with the wrong interest rate that was approximately 2.0 % higher than the correct rate. I noticed the error. BofA sent me a letter shortly after and acknowledged the mistake and commited to fixing it before I called them. I monitored my statements and the error was never fixed. I called them several months ago and the error still has not been fixed. I have trouble getting through to an actual person on their customer service number. Most calls their system does not recognize my account number. It has been 6 months and the error still has not been fixed.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 year old daughter PLEASE HELP ME PLEASE im 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 2020-05-18
Company: EQUIFAX, INC.
State: AL
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 recently disputed inaccurate/invalidated accounts with equifax over 90 days ago and those same accounts still appear inaccurate. Also i never received a response back from the last dispute over 45 days ago explaining why these accounts are inaccurate. this really has put me into XXXX seeing this. i tried looking to dispute these with the collection agency but equifax is in serious violation because they have no information on the accounts as in address phone number or nothing so i could dispute. im seeking litigation. i just XXXX fcra section 611 and it states these accounts must be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Prior to XX/XX/XXXX, worked two part-time jobs.

Affected by COVID, maintained only one, part-time job through XX/XX/XXXX. 

In XX/XX/XXXX, requested COVID relief from mortgage company, XXXX Mortgage. 

XX/XX/XXXX, XXXX XXXX  sold my home loan to an investor. My loan is now managed by Select Portfolio Servicing , Inc . 

XX/XX/XXXX, Mortgage payments resumed, submitted Assistance Review Application for repayment options. 

XX/XX/XXXX, SPS is not providing payment options. SPS requires full payment of forbearance amount ( approximately {$15000.00} ), or Short Sale. 

XX/XX/XXXX, Submitted an Appeal to this decision XX/XX/XXXX, Appeal denied by SPS and stand on initial proposal to repay forbearance in full or Short Sale or Deed in Lieu of Foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
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:
My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked Transunion and XXXX  to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.

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 2020-11-06
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a utility customer with XXXX XXXX XXXX in Pennsylvania. XXXX contracts with LJ Ross for asset management and collection. I was referred to LJ Ross for an amount owed when changing addresses, without notice and/or the chance to dispute the amount. Amount was never verified before showing on my credit report. XXXX as original creditor would not communicate with me, so I was forced to negotiate with LJ Ross to settle for removal of the account for an amount. I paid the settlement amount, but the account was not removed, only updated to a paid, open account and re-aged. I recently discovered that LJ Ross never communicated to XXXX the settlement amount and was recently contacted by XXXX this fall that I owed a balance on the unpaid disputed amount. I contacted XXXX to inquire about the account and for verification, and they told me they would investigate. I received a second letter informing them that I owed an additional balance from my prior address that would be tacked on to my current address bill, and when I contacted them to ask about the result of the investigation, they told me to contact LJ ROSS for proof of settlement. I contacted LJ ROSS whom mailed me the proof of settlement in full, but not the date of the agreement or the information related to terms of settlement that involved deletion of the incorrect account from credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the Fair credit Billing Act XXXX hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the FCBA. 

The payment was withheld regarding the disputed amount pursuant to the Fair credit Billing Act. 

In Or Around XX/XX/XXXX, XXXX issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section 609 of FCRA, the XXXX Equifax and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased airline tickets in XX/XX/2020 but was

n't able to travel due to COVID. Despite contacting XXXX  XXXX  several times via phone, website, and email, I was not able to get my matter resolved. I also tried submitting for
a credit several times since XXXX but the website kept stating my reservation numbers were not valid.

I did receive an email from XXXX XXXX  which stated if I was unable to travel due to documented issues, I would receive a refund. Despite providing doctors and lawyers documentation, employer statements, and expiring visa documents, I did not get a respond from XXXX. In total, I contacted XXXX  16 times via website, phone, and email but was not able to get my matter resolved. 

I submitted a dispute for the charge to Chase british airways credit card in XX/XX/2020. The reps at Chase asked me to provide evidence of the phone calls, email communication with dates, as well as doctors and lawyers documentation, employer statements, and expiring visa documents that I submitted to XXXX. I mailed a packet of all the information with a tracking number, including specific dates. I confirmed the mailing address 3 times. 

I called Chase to confirm receipt of my documentation ; the rep stated they had not receive it. I provided the tracking number which confirmed that the package was delivered. The representative at Chase asked me to fax the packet instead. Again, I faxed the packet twice with a confirmation. After following up days later, the next two at Chase stated they had not received the faxes either.

After my fifth or sixth call to Chase, the representative transferred me to a manager who kept counting the time that she was on the phone with  me ( 12 minutes, 13.5 minutes ), was not willing to acknowledge the communication I had with her previous coworkers between XXXX and XXXX, and stated it was not Chase 's responsibility to uphold the dispute. 

She stated she was giving me {$100.00} to as a courtesy since she had spent 13 minutes with me.

After being a Chase customer for the past 20 years, I am extremely disappointed at their service and am frustrated that all the Chase representatives had asked me to provide documentation to suppo
rt my dispute. After taking a significant amount of time and effort to gather all the information and send it, my dispute was dismissed without any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I got involved in a Citibank promotional offer which offered a cash bonus of {$400.00} if I kept {$15000.00} in a checking account for 150 days. I opened a checking account and deposited the money. The 150 days was up on XX/XX/XXXX, but I have not yet received the bonus. Three disputes have been filed, but no one knows how to solve this problem. It has now been 168 days since I deposited the required {$15000.00}. Disputes have been filed but nothing is happening. Citibank is in no hurry to resolve this dispute although it is not a very complicated case. No one knows how to handle this situation. 
I would really appreciate your help in finding out what's going on. 

Thanks very much. 

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 monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX XXXX XXXX Experian 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 Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of Ed/XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX  XXXX Us Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX   XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed/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 2018-02-23
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FMS Collections threatened legal action against me for debt that I do not owe. I explained that I do not owe them debt, and they have made negative marks on my credit anyway. At no time did I sign any promise to pay or agree to pay any debt to them. I have no history of a connection to them for any service or purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation