BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
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: Information belongs to someone else

Complaint:
It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX XXXX or any other fraudulent reporting from XXXX XXXX from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX XXXX, nor did I take out a loan from an XXXX XXXX. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX XXXX. My loans are in excellent standings, and XXXX XXXX was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX XXXX. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX XXXX. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

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
Consumer complaint received 2019-05-08
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 a collection account was opened by Ability Recovery Services. This account is still opened to this day. I disputed this account multiple times for proof of debt and have not received any proof. This collection account affects all 3 of my credit bureaus reports. I would like to address this immediately and get this negative remark removed from my credit reports. However, if they can provide me with proof of debt ownership then I would like to arrange an agreement to pay off this debt. If no proof is provided then please remove this collection.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX  XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} DEPT OF ED/XXXX {$36000.00} DEPT OF ED/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$1600.00}

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 originally had a credit card through XXXX. At the time of that opened account, I was experiencing difficulties with receiving income due to XXXX XXXX and not being able to work. I was homeless at the time and couldn't pay my bills. This account went into collections with XXXX XXXX. After XXXX XXXX placed derogatory marks on my credit report through XXXX and Trans Union, they sold this account to XXXX XXXX XXXX XXXX. 

In XX/XX/2015 I was awarded XXXX XXXX with backpay for the years I was unable to work. I then called the creditors that I had debt collections with and paid all of my debts in full. I also requested to have these accounts deleted, which was agreed upon. Neither the account through XXXX XXXX or XXXX XXXX  were ever removed. This year i've checked my credit reports, because my score has still been low, even after paying these debts. I've contacted XXXX XXXX and XXXX XXXX to ensure that they remove the derogatory accounts from my credit reports, because they have been having a negative impact on my credit score. XXXX XXXX has removed this account from all 3 credit reporting agencies while XXXX XXXX  has not. I have also written letters to both Trans Union and XXXX requesting that they be removed with no response to my disputes. I am taking it a step further by contacting the CFPB for assistance. 

In this correspondence, I will include the letters I have sent to XXXX and Trans Union ( both  notarized ), I will include the letter from XXXX XXXX stating they are not responsible for the account anymore, and I will include the letter from XXXX XXXX XXXX XXXX stating that the account has been paid and they have removed it from my credit reports. The account numbers for XXXX XXXX and XXXX XXXX are the same.

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 2019-05-08
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over Zelle. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at XXXX 2 times and they have been either unwilling or unable to help me contact Zelle to figure out who the guy is that scammed me. I have also filed a police report. Zelle does not have an adequate customer service line or anywhere that I can find to report things such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : Fair Collections & Outsourcing Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking weed, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to FCO. I spoke with FCO sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.

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 2020-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information. 
how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This information was improperly placed on my credit report. this account was fraudulently placed on my account with out my knowledge.

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 2019-05-08
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called the company on several occasions since the item appeared on my credit report since XX/XX/2019. Despite continually calling, I have yet to get any representative from the company to answer. If there was an actual debt would the company not have an adequate way of being reached in order to collect on the debts. The debt is fraudulent and I have no other means of reaching the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 XXXX Trans Union are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: CL Holdings LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax website doesn't work and customer service is worthless. 
I login. 
Won't let me submit dispute online. 
I call. 
They attempt to verify me with questions off my credit file. 
I read verbatim the answers off of the credit report I have pulled up on their website that I have just logged into. 
They say they can't verify. 
????????????????????????????????????????!!!!!!!! 
I just read the information word for word off of their very own credit report?????? 
What is wrong with this company? 
Absolutely awful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: SUN LOAN COMPANY INC.
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had spoken to the manager at Sun Loan in XXXX, NM and asked not to contact my references or my employer as I am not able to take personal calls. On XX/XX/XXXX my employer informed me I got a call from Sun Loan. My job is on the line now. When I spoke to the manager she said that she did not have anything in my file that they can not call my employer. I did tell her my husband and son both had XXXX  we have been struggling and I will contact them when I am able to give them a payment. She became very aggressive and rude saying she will not stop contacting me and will continue calling me at work and references to get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
State: MD
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've purchase an XXXX  XXXX 38 Inch Curved XXXX UltraWide QHD+ ( 3840 x 1600 ) Monitor from XXXX as in " Like New Condition '' from XXXX XXXX on XX/XX/2021 for {$1300.00} ( Order # XXXX ). When I received the merchandise, I opened the box to find out the monitor panel has been cracked across the screen ( with photo proof attached ). The box was packaged well, which leads me to believe someone else broke the monitor screen and returned the package to XXXX XXXX where XXXX miss-stated the condition of the merchandise but still tried to sell the item anyways. Given that the unit was dead on arrival, I've contacted XXXX for an XXXX return Label. Later on XXXX tracking XXXX showed that it has been successfully returned back to XXXX warehouse on XX/XX/2021. About a month later, I've chatted with multiple XXXX reps to inquire about the refund I did not receive. Each rep assured me to wait a couple business days for the refund to show up but it never did. On XX/XX/XXXX, I filed a chargeback dispute with my credit card company Chase, where a temporary credit of {$1300.00} was issued. On XX/XX/XXXX, the dispute resulted in a rebilling of {$1300.00}! I contacted Chase dispute department and submitted XXXX proof of delivery of the return merchandise, but Chase completely disregarded my dispute documents and reported my dispute to the 4 credit bureaus, which impacted my credit history. I kept on reaching back to XXXX for help, but the account specialists said I have an outstanding dispute so they can not refund me the money which doesn't make sense because the dispute resulted in me getting rebilled for a merchandise I returned back! I appealed Chase 's decision on the rebilling, and on XX/XX/XXXX, Chase mailed me a letter stating that my appeal has been denied. At this point I've lost {$1300.00}, and countless hours back and forth with XXXX and Chase trying to get my money back for a merchandise I've successfully returned. At this point I've exhausted all my options working with XXXX and Chase and am writing this complaint hoping it can result in getting my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: Blackrock Mitigation Group LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX  XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX county was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX county if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-04
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is a two part complaint, the first part is that I had a {$36.00} overdraft fee charged to my account on XX/XX/XXXX despite the funds to cover a transaction having posting to my account. 
The second part is that I had an issue with XXXX pulling money from the wrong account, and despite BB & T knowing that it wasnt intentional and me offering to pay the negative balance minus the fees, they refused to waive the {$610.00} in overdraft and returned item fees.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate credit reporting. I have written a letter to this Credit Reporting Agency to challenge these inaccuracies. Details of these issues are shown in the letter which is uploaded on this portal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EMCC Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has asked me to pay a maintenance fee for a time share which has employed deceptive and unethical business practices. I have expressed a desire get out of the obligation alotgether due to the lies I was told when initiating the original contract, Since I do not have the financial means to afford an attorney to pursue the original creditor, XXXX XXXX, to release me from my contract, I have expressed to Equient ( the caller ) a resignation to my need to pay, but no current ability to pay. I have expressed that there is expected to be no clarification or change in my ability to pay prior to XX/XX/2018. They have threatened the possibility of 3rd party collections, and I have acknowleged that possibility. I further expressed an inability to accept calls between XXXX and XXXX when I work with XXXX XXXX XXXX in the community, not in a typical office setting with scheduled breaks. They have continued to call me during these hours each day, sometimes several times per day. On a few occasions I was able to answer the call and again requeste the cease and desist with calling me when I am working. Today, an employee named XXXX XXXX me in a call at XXXX XXXX that she can put a hold on calls for a few days, but that they can not keep their automatic dialer from calling after that. I explained that this is harrassing at this point and disrupting and upsetting at my job. She kept me on the phone for over 10 minutes to verify my identity, state the mini-miranda, put me on hold to speak with a manager, etc. and still could not assure me the calls will stop now.

Company response to consumer: Closed with explanation