BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX, SC XXXX For XXXXTransUnion/XXXX & Attorney XXXX 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. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
CREDENCE RESOURCE MANAGE ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such 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 XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: TN
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 a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. You must comply to the law as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I logged into my online account to find that PenFed had closed my line of credit. I called customer service and was told that it was closed on XX/XX/2023 due to inactivity. I asked if an email or letter was sent to me, because i did not receive any communication. She said based on my account profile and FICO, there was nothing that would cause a closure. She put me on hold and spoke to a supervisor, who said it would seem that a letter would be sent, but it appears no such letter is in their system. This is horrible customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Recovery One, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they didn't follow the proper five validation procedure which makes this an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to XXXX XXXX XXXX XXXX for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: PA
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 is reporting this account on my credit report Account # : XXXX ... ..I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....

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 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from 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 2020-06-01
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: Information is missing that should be on the report

Complaint:
This is the 2nd complaint to CFPB regarding TransUnion & this SAME PROBLEM. Original complaint reference # XXXX. Note they correctly resolved the problem but now they deleted one of the accounts again. 

They are not reporting ALL my revolving accounts & it's payment history. 

ISSUE : They are not reporting my XXXX XXXX XXXX ( XXXX # XXXX XXXX XXXX XXXX ). 

Just weeks ago they CORRECTLY re-instated my correct active revolving accounts and they even provided this confirmation to CFPB on my original complaint. And now they've deleted the Mastercard. 

Stop deleting my correct active & open accounts. Your not doing your job right because XXXX XXXX is providing you the correct data and the failure is on TransUnion 's. 

Attached are : 1. Screenshot # 1 - of my TransUnion reporting through XXXX showing ( correct ) active accounts a couple months ago. 
2. Screenshot # 2 - Confirmation of the resolution for my prior CFPB complaint when they added ( correctly ) 2 accounts back on my profile -- one of which they just AGAIN deleted, Mastercard.

3. Screenshot # 3 & # 4 - of my XXXX - showing that my Mastercard was DELETED by TransUnion

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 2020-07-08
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
" I want you to call me not email me about this situation '' Am just gon na copied what I Emailed sent to the Ombudsman Office at the Federal Reserve. 

Dear, Ombudsman office at the The Federal Reserve System Hello, My name is XXXX XXXX. 

I want to know how to : " File a Complaint against a Bank aka BB & T to the Federal Reserve Board and to the Office of the Controller of the Currency and the United States Treasury. '' XXXX XXXX send two Prisommary Notes XXXX XXXX Dollar Each as Registered Securities to BB & T XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. 

USPS XXXX That BB & T was supposed to Trade it to later Deposited as Credit to my XXXX XXXX Brokerage Account with BB & T. 

Mr , XXXX XXXX and myself XXXX XXXX talk to the Trading Office Number at BB & T in North Carolina XXXX this Week this Tuesday XX/XX/2020 and Wednesday XX/XX/2020. 

On Tuesday XX/XX/2020 they acted like the Notes that XXXX XXXX Mailed that they were lost and now today XX/XX/2020 their stating one of the reps that they received the notes at the Operations Building at BB & T they rejected the Promissory Notes and their gon na mailed it back to XXXX XXXX mailing address. 

We know that BB & T Bank copied the information of the 2 Promissory Notes valued at XXXX Each Totalling to XXXX XXXX Dollars Each and Stole the money off those notes. 

And am doing my Part XXXX XXXX and want to Proper File a Complaint against Branch Banking & Trust Company aka Truist Financial Corporation to the Proper Banking Regulatory Enforcement Agencies of  the United States. 

You can contact me by my Cell XXXX or Emailed me again.

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 2020-07-08
Company: EQUIFAX, INC.
State: MD
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:
Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2018-05-18
Company: GMFS, LLC
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Been customer for 2+ years - never missed a payment Keep calling and saying they are a debt collector Tell me I've missed 2 payments and try to collect the money over the phone All of my payments have cleared my bank. I have shared that with them. 
They said they would not call me back - called today and tried to collect payment. 
Current Mortgage Payment cleared on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 a medical collection account appeared on my credit report. I called the collection agency and told them that the account was not mine and that is was someone using my identity ... I disputed the account several times with the credit bureaus and also with the creditor ... And they are saying its my account ... the account name and address are different than mine .... please help me i don't want to pay for something i had nothing to do with ... .The balance on the account is {$3400.00} ... i sent dispute letters on XX/XX/2018 and XX/XX/2018 ... I also called the credit bureaus and disputed the account over the phone ....

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 2017-09-19
Company: Freedom Mortgage Company
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:
My Mortgage Company - Freedom Mortgage has reported that I did not pay my XXXX 2017 Mortgage payment. I did pay my XXXX Mortgage payment and they immediately cashed my check although they state there was an increase in my impound account, which I was not notified of. After numerous phone calls to resolve this issue it appears to have been a bookkeeping/automated check deposit error. Yes, apparently my impound was increased in XXXX, I was not made aware. They deposited my XXXX payment which is made automatically through my bank. Also XXXX. Each month my payments are made on time and I had no reason to believe that there was any problem. They are saying I did not make my XXXX payment due to the increase my check was put into a " suspense account '', but cashed immediately and NOT APPLIED to my account. They then reported to my credit history that I did not make my XXXX payment. I have spoken to several people within the company, most recently Vice President XXXX XXXX at XXXX. He is in California. He said his Correspondence Group is denying retraction of the bad credit for non payment. Also today 's recording of my amount due is different than what my recent statement indicates. I have bank statements showing all payments made in a timely manner. Please help me. I have an FHA loan and was getting ready to refinance to a Conventional loan. I have over {$300000.00}. in equity in my home and have owned it for 14 years and never missed or been late on a payment and was n't this time. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA 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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is reporting this account on my credit report Account # : XXXX ... XXXX have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my Credit Report from Transunion on XX/XX/XXXX. I noticed the third party XXXX XXXX with XXXX XXXX. Most importantly the section XXXX XXXX and XXXX XXXX. Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from Future XXXX XXXX XXXX, I was living in the County of XXXX. XXXX XXXX holder on XX/XX/XXXX was XXXX XXXX XXXX. Not sure when XXXX XXXX purchased the loan from XXXX because I was notified that there was an exchange of XXXX. XXXX never notified me nor did XXXX XXXX. My payments were XXXX starting XX/XX/XXXX. XXXX is not on my Transunion Credit report from XX/XX/XXXX. However there is a Inquiry from XXXX on that credit report dated is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. XXXX XXXX is not licensed in the state of California.

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 2018-10-19
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
CREDIT ACCEPTANCE WAS PAID OVER {$10000.00} BY MY CAR INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 REDUCING MY AUTOMOBILE LOAN AMOUNT OWED FROM {$11000.00} TO {$1900.00} OWED. CREDIT ACCEPTANCE HAS REDPONDED TO 3 CREDIT BUREAU DISPUTES TO XXXX, XXXX, AND XXXX AS THE {$11000.00} BALANCE OWED AS CORRECT AS OF XX/XX/2018 WHEN THE CORRECT BALANCE AS OF XX/XX/2018 IS {$1700.00}. CREDIT ACCEPTANCE IS INTENTIONALLY RESPONDING TO CREDIT BUREAU DISPUTES INCORRECTLY. CREDIT ACCEPTANCE HAS REFUSED TO CORRECT THE ERRONEOUSLY REPORTED BALANCE OF {$11000.00} TO THE CORRECT BALANCE OF {$1700.00} AS OF XX/XX/2018. I HAVE DOCUMENTATION DATED XX/XX/2018 FROM CREDIT ACCEPTANCE THAT STATES THEY WERE PAID BY MY INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 AND THE REMAINING BALANCE OF {$1900.00} IS TO BE PAID IN MONTHLY {$200.00} PAYMENTS WHICH HAVE REDUCED MY CREDIT ACCEPTANCE BALANCE PRESENTLY AS {$1700.00} WHICH CREDIT ACCEPTANCE REFUSES TO CORRECTLY REPORT TO XXXX, EXXXX, 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 2020-07-08
Company: World Acceptance Corporation
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: Account status incorrect

Complaint:
WORLD FINANCE INC XX/XX/XXXX, I agreed to a payment plan to bring my account current. At the time, I was told I would no longer be incurring extra fees or interest while trying to pay back the current amount owed. 

To date XX/XX/XXXX, I have been paying on time as agreed in XX/XX/XXXX with the understanding that my credit would not be adversely affected. Instead, after reviewing a new copy of my credit report, I found that the agency has been reporting my payment as late each month. Although I am following their payment agreement. 

I have called twice in XXXX to try to remedy the problem. They gave me the run around and said sorry there is nothing we can do, unless you want to pay in full?? 

I have never had a company that enters a payment agreement with you but still negatively connotates your credit history. Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, Inquiry from XX/XX/2021. DID NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i am attempting to link my pnc checking account to XXXX the online savings account and after going through the verification linking process by logging into my PNC account through the service Plaid, it says there are issues and to talk to your bank or file a complaint

Company response to consumer: Closed with explanation