BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX ( XXXX ) erroneously and intentionally reported my Visa   and personal loan as late and or missing payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, which resulted in my credit score being reduced from XXXX to XXXX, which resulted in XXXX XXXX reducing my credit limit by {$9000.00} and me being declined credit and or lower amounts of credit. 

XXXX and Transunion failed to properly investigate my disputes, despite having the documents that show the dates the payments were sent to the credit union. They failed to properly investigate and or update my credit reports to reflect accurate information. XXXX was the only credit bureau who investigated and corrected my credit report to reflect accurate information. 

Instead of XXXX accurately reporting information and removing the erroneous information, they reported the account as improved, which further reduced my credit score. 

XXXX is well aware that my Visa and personal loan are paid by XXXX XXXX XXXX XXXX, the payments are sent to the Credit Union two to three days before the due date. In the correspondence that I receive form XXXX it states that I should allow the credit union to apply this benefit. So, if the payment is late it is because the credit union failed to apply the payment in a timely fashion. 

I was physically in the credit union sometime in XX/XX/2019 making a deposit, when this issue came up, the clerk hesitated to accept my deposit because she said that my payment for my VISA card was late, the other clerk checked the system, and said that the payment was in the system, but it had not been processed yet, my payment was due on XXXX XX/XX/2019, and I was physically in the credit union in or around XXXX XX/XX/2019, the payment has been sitting at the credit union since XXXX XX/XX/2019, but yet they reported the payment as late to the credit bureau. 

Home depo reduced my credit limit to my outstanding balance, which resulted in my credit card being maxed out and eventually resulted in my minimum payment to double. They also, applied 6 months of interest payment to all of my purchases without my consent, and when the six months expired, it caused my credit card to be over the limit ( because they had reduced it by XXXX ), which further affected my credit score. 

I Thanks V/r XXXX XXXX XXXXXXXX.

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 2021-07-19
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EQUIFAX and XXXX  Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX  REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Specialized Loan Servicing Holdings LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I paid off my mortgage. My contract stated I do not pay any fees if I paid if off early, which I did. My Escrow account had a {$1000.00} balance. I was expecting this amount to be sent back to me. Instead I received an escrow refund of {$980.00}. 

I began calling in XX/XX/2019 on what the status is of my account. The call center first said they would take out {$25.00} to close the account, even though my contract states otherwise. 

When I received the refund check an additional {$24.00} was taken out. I contacted their call center and they said it was for closing my account.

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 2020-12-22
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-05-16
Company: EQUIFAX, INC.
State: GA
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 Reported : XX/XX/2019 {$9000.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 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 XXXX.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.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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:
many inaccurate accounts such as ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
NOD filed XX/XX/XXXX, Notice of trustee sale scheduled XX/XX/XXXX Ive spoken several times to express I want to keep my home. I am experiencing hardship due to COVID, requested consideration for loan forbearance, modification. I was advised recently to submit additional documents which I did. I requested an additional forebearance to XX/XX/XXXX as per XXXX XXXX. Was advised my loan investor was not XXXX XXXX. Directly sent documents I received from servicer of XXXX investor. Was told hed forward it. On XX/XX/XXXX recd acknowledgment from servicer of XXXX XXXX investor. This is dual tracking. I should have been eligible any assistance XXXX XXXX affording it borrowers affected by COVID. Please help. I have never been able to speak to contact listed on letters. One individual didnt realize california non judicial state, told me courts are backed up. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Colony Brands, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company called XXXX XXXX has a negative report on my credit report, and this is from an identity theft that happened to me last year. I filed a police report, and everything was removed from my credit report except this company will not remove this. I have never worked with this company before, and they have not sent me any paperwork showing that this debt belongs to me. I had someone open accounts using my name and information and this is from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: NV
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:
MY EXPERIAN MEMBERSHIP NUMBER IS ATTACHED AS AN ATTACHMENT. I'm also attaching an Experian dispute response from them with my exact name, address, and report number from XXXX, which proves that Experian providing false statements to the CFPB in order to close complaints quickly. 

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

THIS IS THE 3RD TIME EXPERIAN HAS USED THIS UNLAWFUL TACTIC OF SAYING I'M NOT THE ONE SUBMITTING THE COMPLAINT TO CFPB TO CIRCUMVENT THE LAWS. 

I also submitted XXXX XXXX on XXXX, XXXX on XXXX and XXXX on XXXX. Experian used the same unlawful tactic to respond to those. They claim I am not listed on the account, which further confirms these accounts should not be on my credit profile. They need to be deleted IMMEDIATELY! 

If I'm not the correct person, and Experian allegedly doesn't have a customer by with my name, SSN and date of birth, why did they remove XXXX XXXX as I demanded since I filed a complaint on XXXX, XXXX, and XXXX? It's because I am the person whose credit profile I've been filing disputes and complaints regarding. 

All these accounts that I have declared not mine have already been deleted by XXXX  and XXXX. My credit profile on Experian is not 100 % accurate. Experian refused to follow the law after repeated attempts to demand that they do. I am going to file a lawsuit against Experian and use these CFPB complaint denials as evidence of their tactics to skirt the law. 

The following accounts need to be deleted from my credit profile IMMEDIATELY per my FTC identity theft report : XXXX XXXX XXXX ( both accounts listed ).

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 2021-03-05
Company: Experian Information Solutions 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:
Experian is still reporting I have outstanding late payments. I have filed a dispute with 3 credit bureaus. Experian is the only one still reporting these negative remarks

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX account does not belong to me Ive been a victim of identity theft

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 2018-05-15
Company: NPAS, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NPAS continues to make collection calls to me for a non-existent debt with XXXX Hospital in XXXX Tn. 

I do not have any outstanding debt with XXXX Hospital. I have told them MANY times, I have filed complaints with the XXXX. 

NPAS continues.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report 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 2018-12-26
Company: TD BANK US HOLDING COMPANY
State: NH
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, XXXX. filled suit claiming I owed the debt being reported as charged off and collection on my credit report. On XX/XX/2018 a Superior Court ruled in Summary Judgement on the merits that XXXX XXXX XXXX was not legally authorized to collect this debt and also ruled in my favor for motion to dismiss for lack of standing ( XXXX XXXX XXXX, XXXX. did not show they had a legal right to bring this action ). Case has been dismissed with Prejudice, without objection from the Plaintiff ( XXXX XXXX  XXXX, XXXX. ) see attachment of court ruling. I submitted the court ruling to the CRA 's disputing the tradeline with a copy of the court order. XXXX XXXX XXXX, XXXX. responded to the dispute indicating that the information was being reported accurately refusing to delete the tradeline. XXXX XXXX XXXX is listing this charge off and collection as the " original creditor '' and by continued reporting of this information after the Summary Judgement order is a FCRA violation and state consumer laws violations. XXXX XXXX XXXX is also in contempt of a court order as the judge has determined in ruling for Summary Judgement that I do not owe this debt to XXXX XXXX XXXX and therefore the item must be deleted immediately or they will face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and I cant get to use the cash that was left in my PayPal. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The following is a list of the credit cards i had from Sychrony Bank. They were as follows : Care Credit Lowes Paypal Mastercard XXXX XXXX Walmart Amazon At the time that these accounts were opened there was an option given called CardSecurity. What this option provided was protection of the card in the event of loss of employment, hospitalization, or XXXX. In XX/XX/2017, I was hospitalized for 30 days and then another couple of weeks at a XXXX facility. After leaving the XXXX  facility i started making claims to invoke the CardSecurity from Sychrony Bank. Since the " event '' was covered I assumed that CardSecurity would keep up the payments and/or pay off the balance since I had fufilled the obligations for this service and the event was over 30 days. 
Card Security would request documentation to which I submitted the required documents. However, upon receipt they would tell me that the documentation I submitted was not sufficient and to submit other documents. After the third of fourth time of asking me to submit documentation, I realized that they had no intention of paying my monthly payements or paying off the balance of the cards even though the fees to keep that add on feature were paid. 

As of the date of this letter, they have done the following : They have claimed that some of the accounts never had that protection, that I called and cancelled the CreditSecurity ( Amazon and Lowes ) which I had never done. I was told that they are researching the call and will get back to me in 5 to 7 days. 
The benefit request numbers are for different accounts ( i.e. 12345 benefit number is for the wrong credit card ) Was told that while I have a benefit number xyz I never initiated the claim. 
Ultimately all of the above accounts through no fault of my own have been closed, and negative marks left on my credit 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 2018-05-15
Company: Professional Recovery Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The Company Professional Recovery Consultants felt the need to call my job. Another colleague with the same name to my own answered the call, and the worker gave her the last 4 digits of my social and was asking if she was me and was harassing her. I work in a XXXX, specifically in an XXXX XXXX, and was getting ready to talk to a relative of a XXXX XXXX. This is about a month after they called my boyfriend to get information from him about me. 

This occurred on XX/XX/2018, around XXXX. The website for the company is https : //prorecoveryinc.com/.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 {$2200.00} There is no contracts, no valid claims ... account was settled original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 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.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your 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 2021-07-19
Company: Experian Information Solutions 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:
Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine

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