BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim 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.

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 2019-02-20
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I personally have been called daily by GC Services even though I set up a payment arrangement with them six months ago and have paid on time every month. They call me daily, have called my brother, my father, my ex brother in law, my current brother in law, and my ex husband. They have told these individuals that they were trying to locate me for repayment of a student loan. 

I called them today and they stated that they wanted to increase my payment from {$100.00} to {$300.00} because of information that I sent back in XX/XX/XXXX. I have been paying on time every month for six months and they state that none of the payments I have paid are pulling my loan out of default status because they believe I should be paying more.They also stated that I would have to make the higher payment for nine months before my loan would be removed from default status. They said that all the payments I had already made were applied to my loan, but that it didn't remove it out of default status. They also stated that I could be reviewed for wage garnishments or liens even though I am making payments. 

At the very end of an hour long conversation, they stated that I could be eligible for removal from default status if I consolidated my loans. They provided me this phone number to call to consolidate : XXXX. This phone number only leads to an endless loop of bogus offers for discounts on cell phones etc. 

I asked them to stop calling me and everyone else related to me. I did apply for loan consolidation through the department of education website. 

This company told individuals I did not approve to know that this call was in regards to a student loan debt. The call that disclosed that most recently was today. Please help this harassment stop and prosecute these individuals for predatory practices. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX   {$680.00} 6 ] XXXX {$71.00} 7 ] Credit Factor CH-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 2021-03-30
Company: Westcreek Financial
State: NY
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:
After paying off the balance owed on an account, the company " West Creek Financial '' reported that the account was paid in full and closed the account with full knowledge that closing an account negatively impacts a person 's score. I have spoke with this company several times to request that they could simply report that the account is paid in full. I also informed this company that they target low income communities and minorities to offer their services to then turn around and destroy their credit. People in low income communities are already struggling, and at no time did the store I purchased the items from nor was I made aware on my receipt that once the account is paid in full the account would be reported as closed. It is very mis-leading and this company has numerous complaints on file with the XXXX  and they should not be allowed to offer services under false leads. I would like this company to remove that the account is closed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2020-07-14
Company: JPMORGAN CHASE & CO.
State: OH
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 booked a car rental they XXXX in XX/XX/XXXX for a XX/XX/XXXX trip to Florida. The entire country shut down in XX/XX/XXXX due to national pandemic. XX/XX/XXXX I submitted a cancellation of trip and car rental. XXXX XXXX recievrd and said they would take care of it. After months of contact and no result I went to Chase Visa to discuss not receiving of credit for services. They said it is XXXX XXXX policy and XXXX XXXX XXXX not to refund. This is a national pandemic. I tried to get 50 % return of the XXXX in least or be able to use the reservation upon rebook in XX/XX/XXXX. They refused all options. It is a disgrace that the travel business will NOT take care of a customer and keep their money in a national SHUTDOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I tried to get my free credit report from Equifax, I provided all my information needed and I got an error stating that the Information I provided did not matched their records. So, I opted to pay a {$19.00} subscription for Equifax Complete Family Plan and provided the same information used for my free credit report and this time it matched their system ( weird don't you think? ). So, after paying and setting up my account I was able to access my credit report # XXXX and I noticed some name variations and a negative late payment which I wanted to disputed and selected the option to submit a dispute online. However, I was taken to another website that required me to answer some question to validate that I was who I said I was ( after paying and having access to my credit already ), so I answered all the questions and after being " Validated '' I was given the option to upload the required documentation to support my disputes and I uploaded my VA DL and my US Passport card scan an to my surprise when I clicked submit, I got another error saying " The information you provided does not match our records, please submit your dispute using a web form '', so I tried using the web form but this option did not had the option to dispute the name variations nor the late payment listed on my report. So, I called XXXX today at XXXX and spoke with at least 5 people who did not know what the problem was and the only thing they offer was to place the disputes on by behalf, so I did placed the disputes over the phone after validating ( again ) that I was who I said I was. Now, the problem is that I'm paying {$19.00} for a product that dont work as expected and the vendor ( Equifax ) support personnel told they do not have a team that can assist me on figuring out why in that world I can't use the " online dispute '' option available on my account. So, it seems to me they are using predatory methods to lead consumers to pay for getting their credit reports and to pay for access to a web system that does not works as expected. 

All I'm trying to do is to get my stuff right and I wanted to upload my personal documents to help them expedite the disputes. 

Is this something you can help me correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Beginning last year, I noticed a collection account listed on my Equifax credit report. This account has NO creditor information listed or any creditor contact information. I have requested that Equifax investigate this account and supply me with the creditors information. My most recent request was on XX/XX/XXXX, as of today XX/XX/XXXX I have not heard back from them regarding this matter. The account is still being reported on my credit report negatively and I have no way to dispute or even contact the creditor and Equifax has done nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
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: Information belongs to someone else

Complaint:
Multiple accounts are reporting on my credit report that is not correct 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**** XXXX XXXX**** XXXX/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 2018-03-13
Company: Ability Recovery Services, LLC
State: MT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recovery Services is trying to collect a debt from XXXX XXXX schools to which I do not owe. I previously sent a complaint in from XXXX XXXX and they indicated they had the wrong person and deleted the marks off my credit. However with Ability Recovery Services, I have gone around with them on the phone and the last person I spoke to named " XXXX '' said they are right across the street from XXXX XXXX, and if I would pay the reduced amount of XXXX that they would remove it from my credit. I told her as I told other representatives at the company, I only went to XXXX XXXX one time in 2007 and now all of a sudden i have two different collection agencies saying I owe XXXX XXXX!!! This school is a fraud, and they claim someone signs up for classes and then tries to charge people for an entire amount of their program. If anyone has collection agencies from XXXX XXXX submit a complaint on here!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection account on my transuion report XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX fro {$87.00}, and i dont owe them nor do i know who they are.

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 2019-02-20
Company: TRANSWORLD SYSTEMS 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:
Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
please remove this inaccuracy from my report XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX amount {$890.00} XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$3000.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX  XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}

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 2018-03-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was affected by the Equifax breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( Equifax - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX # XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Check my credit report and say a collection account placed on my credit from a Sequium Asset Solutions, saying I opened an account in XX/XX/2020 for the amount of {$420.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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:
The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete from 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 2019-02-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have already spoken to a PayPal Credit representative and informing them that payment would be made on XX/XX/XXXX2019 ; therefore I should not continue to be harassed regarding payment. Because I did not allow them to schedule the payment via their system I have been called incessantly for days and told two other  reps that I have already spoken to a Paypal rep who was supposed to have notated that I would make payment on XX/XX/XXXX ... yet the calls persist. If this continues my next step is to contact my lawyer to seek legal remedy.

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