BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
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:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.

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 2019-03-23
Company: National Credit Adjusters, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called me repeatedly even after they were asked to stop. They have called me from several different phone numbers. If I block one they call from another. They have even had the audacity to leave me several voicemails stating to respond before they begin legal proceedings I have no idea who they are and I do NOT owe them a debt. Even when I do answer they dont say anything. I have requested validation of the debt numerous times and never received it. They also failed to send me any written notice that any debt exists. I have been called at the dates and times listed below even after my request that they cease and desist. 

XX/XX/2019 : XXXX XXXX MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  EST XXXX : XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

They are violating my rights and the FDCPA. If they attempt to report ANYTHING to any credit bureau this will be a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent in dispute and its been well over 30 days and I havent received any response back form them.

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 2019-03-23
Company: ID Analytics, 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:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

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 2019-03-23
Company: AES/PHEAA
State: KY
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 XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} XXXX in loans for XXXX former Kentucky students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} XXXX in outstanding loan debt held by more than 80,000 former students. 

The state and federal settlement with one of the nation 's  largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} XXXX. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} XXXX in loan forgiveness to 5,530   Indiana students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this XXXX XXXX   closed my accounts but did not remove them. I would like them removed also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: FL
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 XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( Equifax, XXXX, XXXX ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Bank of America small business account, from the start it was a nightmare. Bank of America immediately began drawing fees from the account like scavengers to decrease the deposits to a position that they could rake in fees. It was contrary to what I was explained during the opening of the account. On four occasions I had to waste time returning to the bank and discussing the agreement with my assigned adviser. They did refund some of the fees, yet started the whole process all over again, and again. Finally, fed up with the situation, I tried on multiple occasions to close my account. It seemed like the account would keep coming to life with some type of new fee which kept it opened. I would pay the fee and attempt to have it closed, but to no avail. After much run around, I thought I finally closed the account after bouncing around from this person to that person in the " business account department '' in XXXX, NC. I had them take the final " fee ' {$9.00} from a {$200.00} credit that they were holding on another " closed '' account to cover and remedy any payment owed. They did take the money and credited me a refund minus the applicable " fees ''. Subsequently, the account was marked as being closed. However, it was not closed. They simply hid the account from my access by removing it from my online banking account portfolio. This was done as they secretly kept the account open and carried a balance of {$9.00}. This balance allowed for a new series of fees to be generated. And, on XX/XX/2019, they mailed a statement to me indicating I owed them new fees in regard to a closed account, thus starting the process all over again.The total I owe according to the statement is {$10.00}. When I called and inquired that day, their automated system would not let me speak to a representative. Apparently, the advertised XXXX is non-existent. The automated service states after much time and effort that " there are no representatives because they are closed ''. The automated system also, informed me that the fee if not paid will be inflated to {$20.00}, apparently compounding by {$10.00} per billing cycle. It then dumped me out of the system and hung up. I am perplexed as to how and why Bank of America is not held accountable for their criminal behaviors under the guise of civil practices. I now realize that I was truly defrauded by their practices. I request an investigation into their deceptive practices to see if others are being victimized by this same scam.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2018-10-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt posted below and attempt to obtain pass due balance is false. I was never notified by the company that the debt does not belong to me. I was never given the chance to ask to please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. Never given any information to be able to speak with the CSR. I do however member this false reporting once before from the agency listed below. I was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. XXXX XXXX XXXX , XXXX Last reported : XX/XX/XXXX -  {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? You could dispute an error with XXXX. Creditor Information XXXX XXXX XXXX , XXXX : COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/XXXX {$980.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX This has been proven once before this is not my debt. This company is trying to collect on false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Acceptance XX/XX/18. The account was closed and paid off by my insurance company and gap insurance but still says i owe a balance

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 2020-05-15
Company: EQUIFAX, INC.
State: TX
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:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history Equifax shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: ONLINE Information Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Online information service for XXXX XXXX. 
XX/XX/14 {$730.00} I was never given a notice i could dispute and also this was in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Westlake Services, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Purchased private sale vehicle in Massachusetts with westlake financial services XXXX XXXX XXXX XXXX XXXX as lien holder. I paid out settlement to XXXX from my bank account and they are not releasing the electronic title or speaking with me. They have taken my money, I have a notarized bill of sale, bank transactions for the settlement payment, a settlement offer from XXXX, a reciept from XXXX but no title, its been almost a month since I paid the loan and they are not releasing the title. I'm supposed to register the vehicle within 10 days of the sale but I can not without a title. I have more documents upon request. Thank you, 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 2020-08-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second request for removal of items that are on my credit report that do not belong to me. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted with regard to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: EQUIFAX, 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:
I have 4 hard inquiries on my Equifax credit report called XXXX/XXXX. I never had a relation with this lender and don't have any accounts with them. I submitted a dispute with Equifax in order to have them investigate the information based on the fact that it doesn't belong to me but Equifax refused to do their job and basically cancelled my dispute. My dispute number is XXXX and I filed my dispute on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history Transunion show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

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 2019-03-23
Company: Experian Information Solutions Inc.
State: SC
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 XX/XX/2012, examined documents assigned to XXXX XXXX ( XXXX, SC ) court house at Deeds office. As well as, examined documents with Clerk of Court in XX/XX/XXXX. Retained two law firms to represent on my behalf. The XXXX XXXX is the originator of my home loan at XXXX XXXX XXXX XXXX, XXXX, SC 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 2020-01-21
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The property of Hunter Warfield in XXXX, Tx. 
I became ill unable to work.I went XXXX XXXX XXXX applied for help to pay rent. 
The Social Worker a young XXXX XXXX female Ms.XXXX  told me to wait about a week. 
I informed the Management Office they agreed to hold off filing the Eviction. 
After a week Ms. XXXX informed me that I was approved for XXXXShe told me that the stipulation was everyone who agreed to help had to have the donations in by Wednesday of that week.I informed her that the church has to have a meeting to get approval to proceed with the XXXX payment to help with the rent. 
Which would be by Friday or Monday. 
While we were waiting on the church to get the approval. 
Ms.XXXX  at XXXX XXXX XXXX decided not to help with rent.I begged her, the Management Office to allow me to get the rest of the funds from the church. 
They said no at the time we were one month behind plus late fees.I explained to the Judge my situation.I was working at XXXX .I began having health issues.They terminated me on XX/XX/XXXX.I was waiting to go to XXXX for my S S I hearing.After we threw our furniture on the curb in XX/XX/2018 .Being I'll and homeless they put in Texas State database that we owed them XXXX Then they sold it to the collections agency in Florida.I called to see if we could get the amount lowered? The head Supervisor said we had to pay at least XXXXl informed him that I only get XXXX a month.Even with 1.6 % raise in XXXX is only XXXX a month. if I had that kind of income we wouldn't have been Evicted .I would have paid them rent plus late fees.I had no control over my health issues.I feel that in situations such as mines they should not put it in the State database.We qualified for the government subsidy program for low income families.When I was honest and told them we had Eviction.She denied our lease it would have been a real blessing to pay XXXX a month for rent.We 're trying to get in a program where we can afford the rent.Not worry from monthly if we're going to be Evicted and Homeless again.Every where else they say you have to be making 3 times the rent.XXXX a month between my self and my Spouse .We 'll never be able to afford decent housing or affordable housing!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation