BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
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:
XXXX XXXX reported a balance that is incorrect. A charged posted to my account from a card that was closed due to fraud and disputed. I spoke to several managers stating that this is being handled by the security team and would not report the amount affected by dispute to the credit bureau. I explained I was in the process of closing in a house and the last representative I spoke with assured me the credit limit would display in dispute and would report the amount. This card was closed and the merchance XXXX was disputed and new charges should not have been posted and affecting a negative impact on my credit limit or credit report. I called 4x about this issue and keep being told the security team will handle it and there was a note stating that I would be receiving credit

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 2022-09-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX - XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates 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 non-monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-07-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 made an online purchase for a 24 foot ladder with Lowes. When the ladder was delivered, my husband told me I had ordered the wrong size because the ladder was too tall to fit our shed. I went back on line to lowes.com and spoke with an rep/agent named XXXX, She placed an order for a 26 foot ladder and reassured me that the 24th ladder would be picked up when they deliver the 16ft ladder and I would be reimbursed for the entire purchase of the wrong ladder, including the delivery fee. I got my XXXX statement and the charge was not reversed as I was told. I have called the online number and have been advised to call 3 different Lowe location. I am will to pay for everything I order from Lowes however I am not willing to pay {$280.00} for an item I did not receive. I was told that the person who does the returns was behind and it should give it 14 days. It has been since late XXXX that this all started. I have been told that management would call me, to date, I have not heard from any one. I have been given the run around and have had to wait on the phone for hours and hours trying to speak with someone. The associates are rude and unprofessional and the managers just past the buck. Please help 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 monetary relief
Consumer complaint received 2018-09-25
Company: National Credit Systems,Inc.
State: TX
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 company is reporting a negative debt against my credit report that I believe does not belong to me and has refused to delete it. This company is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act I am entitled to notices concerning the reporting, handling and usage of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. They are in violation of two different consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Continental Finance Company, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I have never been to or used this company XXXX/Cont Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, DE 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 2020-07-07
Company: CORELOGIC 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:
In response to my complaint files with CFPB ( Complaint ID : XXXX ), Corelogic has provided insufficient and inaccurate information. 
In their response to my complaint, they concluded XX/XX/2020 was the last correspondence with me in this matter requesting my information which is incorrect. 
On XX/XX/2020 I also certified Mail then a request to provide details on their inquiry into my credit report which they have received on XXXX, 4 days prior to responding to CFPB. 
Corelogic is performing unauthorized inquiries into consumers ' credit reporting with XXXX and has failed to provide proof of authorization and stalling every effort to including failing complaints with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: National Enterprise Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My debt was XXXX because of XXXX fraudulent practices, which XXXXXXXX XXXX XXXXXXXX was well aware of. They passed the collection off to National Enterprise Systems who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for XXXX, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.

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 2023-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX am submitting this on my own behalf. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681section 602 A. States that I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency CAN NOT furnish a account without my expressed WRITTEN consent. FEDERAL LAW SUPERCEDES ANY COMPANY POLICY. 
-Us Department of Edu account number XXXX  last updated XX/XX/2022 -US Department of Edu account number XXXX  -XXXX XXXX account number XXXX XXXX XXXX  account number XXXX last updated XX/XX/2022 -Us Department of Edu account number XXXX last updated XX/XX/2022 -Us Dept. of Educatio account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a fraud alert on my credit report for 3 collections placed by XXXX XXXX for the following amounts : {$95.00}, {$130.00} and {$830.00}. I was a part of the XXXX  breach and previously had issues with identify theft. I sent out a letter to the company for debt validation on XX/XX/XXXX but did not receive a response back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

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 update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX   XXXX  2.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX  XXXX   5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.

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 2018-09-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As a XXXX-year-old senior citizen, I think Shellpoint Mortgage is taking advantage of my age to charge me more than {$350.00} a month fraudulently. They are claiming that I do not have mortgage insurance. I have had the same mortgage insurance since I purchased the property in XXXX. 
My property insurance costs {$39.00} a month. Since XX/XX/XXXX, Shellpoint Mortgage is charging me more than {$350.00} a month for insurance that I already have. 
My monthly mortgage bill was increased by {$350.00} in XXXX. I contacted the company and asked why and was told that I had not offered proof of insurance. 
I stated that I had never received a document asking for proof of insurance. Shellpoint Mortgage claims that they have been sending out documents but I have never received them. 
In fact, when I contacted them again on XX/XX/XXXX, I was assured by one of their supervisors that I would begin receiving mailed documents immediately, I still haven't received any mail from them as of XX/XX/XXXX. 
With no written request they have been able to collect more than {$700.00} from me without notifying me of the reason. 
I live on a limited budget and this is causing quite a hardship. 
Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 30 days late payment on the dates XX/XX/2017. 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 2020-07-07
Company: Experian Information Solutions Inc.
State: MO
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:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 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 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 ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX / XXXX Bank Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.

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 2018-09-25
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX  fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
hello sirs, I have a conventional mortgage that was taken out with XXXX XXXX, they sold it to other servicers, i never had any prior issues, as i pay my mortgage timely monthly and pay for years now my property taxes and insurance directly to the state and insurance company as is agreed upon in the mortgage documents, all of a sudden a new servicer took over the loan servicing, dovenmuehle mortgage loan servicing, and i was harassed immediately on them opening an excrow account to pay my taxes, i responded to them in writing telling them that i did not authorized any escrow account on my mortgage and that i would pay the taxes directly as i done for years, they did not respect my wishes and opened an escrow account paid the taxes with out my consent and are doubling my monthly mortgage payment to {$4600.00} dollars monthly from {$2300.00} and taxes are only {$490.00} dollars per month etc expenses and want to escrow over {$10000.00} dollars in escrow. this is all done to force me to default and loose my property in an unclean hands action against me.. where fore i need the CFPB to investigate this matter and take actions against this mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, I was trying to qualify for a home loan I was confronted with a debt from a company Receivables Performance. I XXXX the companies contact information. I spoke with several people about the debt they stated I owed to XXXX. I asked for a breakdown of the charges owed to XXXX. On my credit report it's currently reading I owe a balance of XXXX highest of XXXX. I then asked for a letter of some kind to confirm the balance. The representatives of the company stated it would take 30 days I also asked for a letter to confirm they are truly collecting on the behalf of XXXX. I was said they sent me a letter in XXXX. I explained I never got it. I even asked them to email it to me it was against companies policy. After going back and forth I paid what was to be a settlement amount of XXXX on XX/XX/XXXX. I was then told I would get a letter via email to confirm that the bill was paid. It was also stated to me that the settle would be updated on Sunday XX/XX/XXXX. After 24 to 48 hours of the payment clearing my bank. I called back on XX/XX/XXXX and spoke with yet another representative to confirm my payment and asked about my letter to confirm my payment I was told the letter takes 10 days to generate. I still don't have a letter or receipt of payment. I was called on XX/XX/XXXX and asked to make a payment of XXXX or XXXX to settle the remaining balance of the debt. I stated to agent I paid the agreed amount the agent kept saying that wasn't what we agreed upon. I asked for a manager. The manager said she was sorry my number was accidently called 5x and would remove my number from the data base and would sent my receipt of payment within twXXXX hours of our phone conversation. No letter or email. I called back on XX/XX/XXXX requesting a receipt the agency told me it was under review and I would get it in a hour of our phone call.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... 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 2021-06-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
all list accounts and inquiries are fraud and are on my credit reports. 


XXXX XXXX Date opened - XX/XX/XXXX Account number - XXXX balance - {$7700.00} XXXX  XXXX XXXX Account number - XXXX Date opened XX/XX/XXXX balance - 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 XXXX XXXX XX/XX/XXXXXXXX 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 2021-02-10
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bought something from the company one time, and someone used their merchant ID, and was charging my PayPal account. I had to cancel my Credit card with my bank, report it to the company multiple times and PayPal twice. It has been fixed, but I just got a call from the fraud person trying to get my credit card number. The number was XXXX.

Company response to consumer: Closed with non-monetary relief