BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
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:
I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX - XXXX - XX/XX/2019 - XXXX XXXX XXXX XXXX - XX/XX/2019 - $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 2020-11-09
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The attorney is attempting to collect a debt and is subject to the rules and debt collection practices of the Fair Debt Collection Practice Act ( FDCPA ). Heintz v. Jenkins, 514 U.S. 291 ( 1995 ). Attorney violated the ( FDCPA ) around XX/XX/XXXX, and XX/XX/XXXX, by refusing to submit a full chain of assignments, the original contract between the debt buyer and alleged original creditor with the terms and conditions also can not produce a signed original contract between the alleged creditor and me, also I have no contractual obligation with the debt buyer also under the 30 day validation period of the ( FDCAP ). An attorney can not claim any privileges under the ( FDCPA ) and is not shielded from the ( FDCPA ) and has failed to comply with the validation process also the discovery process and is still attempting to collect the alleged debt The attorney is using false and deceptive tactics by claiming that I owe the debt because the debt was not disputed within 30 days. This is a violation of the ( FDCPA ) and the attorney also the debt buyer must comply with the procedures of the ( FDCPA ) and stop trying to collect an alleged debt they have failed to prove any legal standing to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

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 2020-11-20
Company: Experian Information Solutions Inc.
State: NJ
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 been a victim of identity theft. A couple of years ago i lost my wallet which contained my id and social security card and my information was exposed in the XXXX  data breach.

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 2020-10-27
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus XXXX and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid

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 2020-10-26
Company: Comerica
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XXXX-2020 I cancelled my car insurance with XXXX of {$210.00} and XXXX-2020 they submitted the transactions without my consent. XXXX-20 I filled a dispute and received partial payment. I was received {$150.00} on XXXX-20. And was tolf that based on the information available to them my transaction has occurred. I disagree with that transaction amount because the product was not how it was represented. And I feel that It was false advertising and misinformed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion Refuses to Perform Its Obligations Under FCRA 611 ( 5 ) ( A ) ( i ) By Their Refusal to Verify the Five Items of This Dispute As Requested in My Most Recent CFPB Complaint # 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 2020-10-26
Company: STATE FARM BANK, FSB
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:
I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX. 
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker. 
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX. 
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: D&A Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is D & A Services LLC. They're a debt collector. They called repeatedly and would leave voicemails. I called them and told them not to call me about this debt anymore, but they continued to call. I just received another call at XXXX. today, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion did not investigate an account on my credit profile for XXXX XXXX XXXX, XXXX, and 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 2020-02-21
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:
I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.

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 2020-05-19
Company: Paypal Holdings, Inc
State: NC
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:
XXXX  CASE # : XXXX for reference *** We are waiting for the business to respond. 
PayPal said in an email they could not accept a XXXX  complaint, but could accept a formal complaint from the CFPB. 


Complaint filed by : XXXX XXXX ( More ) Complaint filed against : PayPal , Inc. ( More ) Complaint status : Activity Date Activity Description XX/XX/2020 Notify Business of Dispute - XXXX  XXXX XX/XX/2020 Send Acknowledgement to Consumer XX/XX/2020 Case Reviewed by XXXX  - XXXX  XXXX XX/XX/2020 More info received from the consumer ***Document Attached*** Pictures of invoice and product promised plus picture of the VERY SMALL Plastic package that arrived with 2 small rolls only. It could not handle having 2 packages of 32 FAMILY size rolls equivalent to 112 regular rolls times 2. 

XX/XX/2020 Case Received by XXXX ( Less ) Case Description : I ordered two 32 rolls FAMILY size times 2 each equivalent to 112 rolls per the picture on the website ... ( More ) XXXX  Designated Category : Billing or Collection Issues Case opened date : XX/XX/2020 Case closed date : Desired Resolution : Refund MUST be made back to the XXXX account that was charged XXXX for the full amount of {$30.00}. FULL ... ( More )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: AR
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 have been disputing with equifax for months now and have sent in requested information for incorrect items on my credit report they have yet to verify the accounts and send me proof of verification for XXXX, XXXX, and XXXX XXXX. I need to have these incorrect items removed from my account and I am willing to take further actions. Everytime I write equifax they send the same generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Santander Consumer USA Holdings 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:
I submitted a complaint last night against the same company, but submitted the wrong attachments. Attached will be the correct documents. Santander failed to correct the inaccuracies I found on my 3-bureau credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Utah Billing & Recovery Services
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings. I was totally naive and gullible. i was asked to join and i told them i do not have a job in the year XX/XX/XXXX and XX/XX/XXXX..so i told them, the day i joined within few weeks, i wanted to withdraw- the agent agreed but i did not know they send totally to collection This is against ethics, integrity ... This does not make sense They were trying to play games on naive or gullible and too honest, direct, ethical upfront now i am trying for a very important job and this is showing in the report i am really worried what will happen it has never happened they are not honest and we can not contact them according to the lady who called me also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, TransUnion and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either XXXX, TransUnion or 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 2020-10-26
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I signed as a Guarantor on a lease agreement for my Nephews apartment on XX/XX/XXXX. My nephew was served eviction paper work through a process server on XX/XX/XXXX. My nephew hired a lawyer on XX/XX/XXXX. The case was settled due to a breach of contract on the plaintiffs end. They dismissed and forgave any past due rent and paid my nephew {$4000.00} to move out on XXXX XXXX. forfeiting his {$2000.00} deposit for any damages. On or around XXXX, XXXX I started receiving collection attempts on the past due rent/damages. On or around XXXX, XXXX this false/invalid/dismissed debt collection of {$14000.00} was reported on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/20 from Aragon referencing a debt I do not own. 
I have not been to a doctor nor hospital in over 10 years.

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 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
XX/XX/XXXX i used my new Kohl 's store card XX/XX/XXXX i recieved a call telling me my account was past due. - i talked with the customer rep and explained i had yet to receive my statement from Kohl 's. They checked and verified all of my info and corrected my email address. They said that if i could pay the account right then they could waive any late fees or interest charges. I did and thought the matter was resolved until XX/XX/XXXX i saw they had reported the late payment on my credit history. I called Kohl 's to get it rectified but after several hours and many more operators they sent me a letter stating they didn't feel it was their place to change the report and if i didn't like it to contact you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: LCS FINANCIAL SERVICES CORPORATION
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During the months of XXXX XXXX. We received a letter from LCS Financial sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced LCS Financial was collecting the debt for XXXX XXXXe company who was listed as the servicer for the loan. 
Since LCS couldn't provide any documentation that actually provided that XXXX XXXX was the actual servicer of the second mortgage loan, I ask for additional information from LCS. 

On XX/XX/XXXX I received an email from LCS and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from LCS. 
I kept requesting and no information was provided by LCS. 

On XX/XX/XXXX, I received a demand letter from LCS and they continued to reference XXXX XXXX as the client they are collecting the debt. see attached letter. 

So on XX/XX/XXXX, I send a QWR to XXXX XXXX which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by XXXX XXXX.USPS certified letter was delivered. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX asking me and LCS Financial, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. 
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. 

This last request was very upsetting since if in fact, XXXX XXXX   was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
this is in reference to complaint number XXXX. 
I sent a letter to Transunion on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted you replied ; After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX this is not fixing the issue. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item

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