BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed Transunion, XX/XX/XXXX and XX/XX/XXXX reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XX/XX/XXXXis reporting Charge-off, Transunion is Reporting Charged off as bad Debt, while XX/XX/XXXX is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, Transunion is showing Not Reported, and XXXX is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on Transunion. Also, for the XXXX XXXX Transunion is reporting XX/XX/XXXX as a close date while XX/XX/XXXX and XX/XX/XXXX are not reporting a close date at all. For Date of Last Activity, XX/XX/XXXX is reporting XX/XX/XXXX ; However, Transunion is reporting XX/XX/XXXX and XX/XX/XXXX reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XX/XX/XXXXand Transunion are not reporting while XX/XX/XXXX is reporting Revolving. Lastly, for High BalanceXX/XX/XXXX and XX/XX/XXXX are not reporting anything while Transunion is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are reporting

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 2022-08-05
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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX 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 2021-03-31
Company: Nelnet, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When COVID hit I lost my job. After learning of forbearance options ( XX/XX/XXXX ) we started the inquiry process with our lender, Great Lakes. However, once we were provided Great Lakes terms which require full payment of all skipped months on the first month concluding the forbearance ; we informed Great Lakes XXXX in writing ) that we would not be proceeding. Several months later XXXX XX/XX/XXXX ) we started refinancing applications and learned that Great Lakes had reported our loan as being in forbearance. Regardless of Great Lakes error, we were able to complete refinancing with another lender. ( The entire time I continued communications with Great Lakes to have the error corrected ). Today ( XX/XX/XXXX ) Great Lakes informed us that they would do nothing to change the reporting, as the loan is no longer with Great Lakes. They included some gibberish that the comment in the credit report should not be stored historically. 

This is truly the worst type of error during a national crisis. Theyve never stated appreciation for our business, refused to provide forbearance policies that would actually assist clients in a time of need and now refuse to correct their error - horrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested a wire transfer from my account at XXXX to a recipient at Bank of America. The recipient is an investment fund to which I've wired money numerous times previously. 

I requested the wire transfer on XX/XX/2021 from XXXX. On XX/XX/XXXX, Bank of America made some sort of XXXX related request from XXXX. XXXX complied on XX/XX/XXXX. On XX/XX/XXXX, I received an email from the recipient saying that they hadn't received the money. So, in the two weeks between requesting the wire ( which cost me {$25.00} ) no one from either institution contacted me to tell me that normally-almost-instant wire transfer was delayed. 

On XX/XX/XXXX, I confirmed with XXXX that the money had been transferred to Bank of America two weeks earlier. On the same day, I called Bank of America to follow-up on where my money was. Never mind that there's no easy to contact anyone to follow up ( after all, I don't have a bank of america account and their customer service lines require that you enter a bank account number, which obviously, I didn't have ). Eventually, I called someone through their investor relations line, who routed me to someone who could assist. That person said that the money had been released. 

I believe that Bank of America only released the funds once I contacted them to complain and not before. Holding funds for a wire transfer for two weeks is unacceptable. And it is unacceptable when there is zero communication about what happened. 

Given the claims of this being an XXXX issue and Bank of America 's prior discriminatory treatment of XXXX  ( including closing down bank accounts ), I believe that I was targeted on the basis of religion and ethnic background ( having an XXXX  name ). Bank of America, of course, will claim that they do not discriminate based on religion or ethnicity. Of course, when XXXX names are used for the XXXX screening, then those names serve as a proxy for religious and ethnic discrimination that has a direct and disparate impact on 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 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have called paypal and informed them that I do not have a paypal account with them. They refuse to listen over the phone. These representatives are from a foreign country and I am not sure if they really want to help individuals from the United States.. I have heard representatives make statements like foreigners came to The XXXX XXXX XXXXXXXX and made a mess. I am very disturbed to hear that people actually travel to a foreign country to behave like this. This does not excuse the fact that Pay pal should have a department that handles accounts that are created with the intent to harm a individual or cause fraud. I have never created a paypal account and it should be investigated. Please assist me. This has cause so much emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received information regarding the debt that was owed by the apartment complex they reported I owed money to. There was never a letter sent to notify me of the debt that was owed from the company I received the debt from nor did they provide proof of the balance that I owed. I received calls that were very unprofessional. I paid off the debt because of the harassment I received but I do n't think the amount I was charged was valid being they did n't provide any proof of the debt I owed. I was pressured into paying the debt. Now the debt is showing up negatively on my credit reports. They should n't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have multiple accounts on my credit report that don't belong to me. I discovered them XX/XX/2020 and filed disputes with all three credit bureaus in XX/XX/2020 as well as filed an identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX has been taking money directly out of my work check for several years but they have been reporting to the credit bureaus late payment history and it's hurting my credit rating.

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 2021-04-01
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( Professional Account Management Collections ) continues to email me saying I owe them for a debt to XXXX Texas Toll Authority. This is impossible because I have a toll tag with the authority that auto drafts from my bank account once I run out of funds. I have repeatedly tried to contact them by email and phone. Their emails bounce back to me as an invalid email address. Their phone line always says they are experiencing high call volumes and no on ever answers. Then when I put the invoice information in their online form in the emails they send me it says " invalid invoice number. '' I want the harassment to stop because I DO NOT OWE THESE PEOPLE ANYTHING!

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 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 started writing letters to XXXX, XXXX, AND TRANSUNION ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies 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 2021-04-01
Company: EQUIFAX, 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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Dynamic Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dynamic recovery solutions has repeatedly sent bills and invoices and has refused to send verification of debt. When informed that I know I have the right to validation they argued saying that they could not send any further information. They began offering to settle the debt for smaller amounts and still stated they couldnt send information in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: HEARTLAND PAYMENT SYSTEMS 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: ERC
State: MN
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:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed the XXXX and at the time I did not really realize that I was going to ba paying XXXX to borrow XXXX that is a bit excessive. They are taking XXXX every paycheck from my account from XXXX thru XXXX. I have already paid the XXXX plus interest at this time. I think these fees are outrageous and I think that I have paid way more than I should have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: National Credit Systems,Inc.
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: Investigation took more than 30 days

Complaint:
National Credit Systems are reporting an collection account to my XXXX  and XXXX   reports. I've tried Disputing and telling them that I didn't authorize anyone to get an apartment in my name ( Someone signed a lease without my knowledge in a city more than 2hrs away from me ) I asked for proof that I signed my name or a copy of the ID that was used but they dont have that onfile, Just the application that was sent.

Company response to consumer: Closed with explanation