BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
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:
1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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 2020-01-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
I have a charge off that is on that have no knowledge of. I have disputed this numerous times we no resolution.

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 2018-08-13
Company: Experian Information Solutions 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:
In the month of XX/XX/2018, I had the means to pay off a car loan that was past due. Due to my ex-wife not sending in her payments on time, the XXXX XXXX XXXX was approaching repossession status by the time I was finally able to get it back from her after our divorce. Once in my possession, I gave XXXX XXXX XXXX customer service a call. I informed them of the matter and that I was willing to pay the auto loan off in full in hopes of getting my credit score back on track due to the two-plus years of late payments that my ex-wife was responsible for. The customer service agent informed me that correcting those late payments would not be an issue and that all was needed was the payment in full. I agreed to pay the remaining balance in full early for the agreement. Between the dates of XX/XX/2018 and XX/XX/2018 I paid a total of {$8700.00} in hopes of correcting the issues at hand. Once the payments were processed and were official, I called XXXX XXXX XXXX  once again to get information on when my title would be mailed off and also the status of the correcting late payments. I was told by multiple customer service reps that, that was an issue I would have to take up with the reporting credit bureaus. On XX/XX/2018 I sent off goodwill letters via USPS to XXXX XXXX XXXX XXXX department and also the reporting credit bureaus. Also on XX/XX/XXXX, XXXX and also XX/XX/XXXX, I emailed XXXX XXXX about the matter. I received a call from XXXX XXXX XXXX on the morning of XX/XX/XXXX informing me that they would not remove or update the late payments as paid on time. I have not heard anything as of yet from the reporting bureaus regarding the matter.

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 2018-08-13
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Despite many request, even though I paid the {$50.00} fee for forbearance, your servicer Navient still did not put this loan in forbearance. 

As explained before, I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: MA
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:
I had a mortgage with XXXX  XXXX XXXX ( Account Number XXXX ). XXXX has incorrectly reported that I was late XXXX and XX/XX/2015. I checked my bank records and I made payments to them for those months and was not late.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2020 I sent dispute letters to this Credit Bureau disputing the unverified accounts XXXX XXXX, XXXX XXXX  and XXXX XXXX! 
I did not receive a response from this Credit Bureau neither in XXXX nor did I receive a response in XXXX indicating that an investigation has not been done. it has been well past 45 days and I am not understanding why I have not received a response. The address is correct on my dispute letters and I enclosed the proper documentation to start the investigation. So I'm contacting the cfpb to get this issue resolved Andmy investigation started. It has been well past 30 to 45 days and these accounts should have been deleted according to the laws of the Fair Credit Reporting. I sent in a third dispute letter XX/XX/2020 asking for removal of the unverified collection accounts because they are 30 days past the investigation time and I have not received a response and I still haven't received a response from this Credit Bureau. please cfpb help me with this issue. 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 2019-01-11
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to XXXX  XXXX XXXX in regards to an account they have on my credit report. They received my letter of request via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any type of validation of this debt or communication in its regards.

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 2018-08-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am very disappointed of Cfpb and their represanative its a shame and I am disgusted of Cfpb operation you been invented to make sure banks motgsge servicer doesnt cheat and XXXX off consumers instead you are helping these XXXX XXXX cheat mortgage servicer to XXXX  off people and frsudly take peoples home. 
Read the documents I included take action I am not alow SLS monster to take my home SLS is a cheat XXXX XXXX off stop these monsters now I sent their conducts to the FBI and I will Also contact my state attorney and federal court SLS should be shut down they are not and mortgage servicer they are fraud cheat XXXX  who have to be punished for what they done continue doing to people What I sending u is just a small portion I have about 100 pages of how these monsters do business and put people out in the stree read 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 2020-07-31
Company: CITIBANK, N.A.
State: CA
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:
Because of a fraud alert, my account was closed and a new card number was issued. One month latter a merchant made a refund to my closed account. The refund was never transferred to my new account by the credit card company.

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 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have made several attempts to obtain my free annual credit report from XXXX, XXXX and Trans Union.

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 2021-01-20
Company: EQUIFAX, 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:
Credit bureaus have not responded to my letter of I accuracies on my credit file with their company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney  General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX ACCT : XXXX AMT : {$130.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT :  {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX XXXX : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Account information incorrect

Complaint:
These accounts show closed on my credit report. 
XXXX Closed XX/XX/XXXX Account was never used and I never opened it. XXXX Department Store sent to collections right away before I could pay the balance of {$300.00} and shows closed on XX/XX/XXXX, XXXX XXXX XXXX   Closed XXXX XXXX  XXXX XXXX, XXXX. I believe I am a victim of identity theft I have had numerous collection companies calling my work and colleagues threatening to take me to jail if I don't pay. I have disputed these accounts. I also had an account with XXXX   which no longer exist and I took a second loan out to pay the date with XXXX and paid them off but now I have another collection company who said they bought the bad debt which was paid off 10 years ago but XXXX was original creditor which I did not take a loan with them and a new collection company is XXXX XXXX XXXX opened collection on my account XXXX XXXX, XXXX saying I owe them XXXX which I am disputing. XXXX XXXX says I owe them {$730.00} for not returning cable equipment which was returned and they sent account XXXX XXXX and I am disputing but constantly get the run around. XXXX XXXX I had my second with them my first was with XXXX XXXX. They gave me the run around when I was trying to save my home XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They never gave me options to save my home and I went with a lawfirm that I believe was in cahoots with XXXX. My home was foreclosed XX/XX/XXXX. So XXXX   and no where to go with my XXXX children. I found a realtor to help my find a home to rent. XXXX wrote a letter to stating the second was paid in full and that foreclosure would not be on my account which I thought was weird at the time. XXXX paid off my first with XXXX and continued to give me the run around and said the only way I could save my home would be to pay the loan XXXX which was impossible. I was past due {$51000.00}. I asked if I could reschedule payment of {$1500.00} and they said no. I was try to get back on track.Then I see that CFPB filed a suit against them for the exact same thing that I went through in XXXX, XXXX, XXXX. I was never contacted about the lawsuit. XXXX XXXX @ XXXX XXXX XXXX XXXX  Ticket # XXXX wrote a letter stating mortgage was current and paid in full and would not put foreclosure on credit and it is on it. I am trying to buy a home and now it appears. I lost my home and 17 years of equity because they were giving me options and paperwork and then stating certain things had to be done. CFPB File No. XXXX and identified the that they were in violation. I never received any payment from XXXX only a letter stating that my loan was paid in full. I am hoping CFPB can help me restore my credit so I can buy a home and move forward.

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 2021-06-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMERICAN PROFIT RECOVERY XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: LoanCare, LLC
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 status incorrect

Complaint:
LoanCare/XXXX XXXX  company placed my mortgage under bankruptcy that was discharged on XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran.

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 2018-08-13
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: Account status incorrect

Complaint:
XXXX/XXXX XXXX company placed my mortgage under bankruptcy that was discharged on XX/XX/XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XX/XX/XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX  XXXX veteran.

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: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX  was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

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