BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from a debt collector on a Friday afternoon. I explained to him that my XXXX union was notified and they were going to pay for the services. He then proceeded to ask why wouldn't I pay the bill with a credit card and i can get reimbursed from the insurance company. I explained to him that the information was already being processed. The claim was paid for I don't owe any copays or coinsurance. He stated why wouldn't I pay for the services. You have excellent credit, why wouldn't I just pay. This man harrassed me while I was at the supermarket with both my kids. I asked him to give me until Monday because I did not have the proof in front of me. I called both the credit company and XXXX  office. I was told they were going to retrieve the account from the collection company. I received a call last Friday telling me that the account was placed on hold until they completed this investigation. I called Dr. XXXX XXXX office spoke to XXXX who stated to me that I am not responsible for this bill. I am very upset that I was harrassed for this bill and it was put on my credit report. When I have been cooperating with them in trying to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX hired Aldrige Pite Haan LLP to collect my deb, Aldrige hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then Ms. XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. 
They fabricated the notice, I never received a notice to go on court neither my family did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
in XXXX of XXXX I went to the local post office where I have a XXXX XXXX , to see if my tax refund was there. it was not in my box. The postal worker saw me and handed me mail that was addressed to General mail. It was from XXXX tax board intercept dept. I opened it and it said {$440.00}. was taken for a debt collection agency, XXXX XXXX XXXX. 
I called the number to ask what was going on and mentioned the fact that I did not have info that I owed this and told them I have not lived in XXXX since XXXX. 
The agent was rude and would not provide her last name or employee id number. I asked to speak to a supervisor and she said she was the supervisor. 
I mentioned ID theft issues I have and asked about any Statute of limitations that apply to old debts. 15 years pass and I had no notices of owing XXXX XXXX XXXX and it was not in my XXXX credit report. I told her I needed my refund due to a work injury in XXXX that I was not receiving XXXX for. She did not care. I contacted the court to get more details of this alleged debt and was not given any clear info. in XXXX of XXXX I received 4 notices from the collection agency but it had a address based in XXXX MA, about this alleged debt. They gave 4 different account numbers and debt amounts and failed to mention what they took from the tax refund intercept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 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 non-monetary relief
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX desperate transfer XXXX  XXXX credit card debts they could not reconcile or proof to XXXX XXXX XXXX XXXX to avoid conforming to FTC guidelines and to keep incorrect information on my credit report. It is a tactic adopted by XXXX and XXXX trying to avoid the sixty days ruled, failure to proof legality of debts, manipulation, and fraud. 

I received statements that reflected large returns of XXXX  transactions and actual credit lines never provided neither a spending of cash/cash equivalents reconciliation of large deposits. I did not get any increase in credit lines to reflect the uses of those large return. For this reason the XXXX XXXX XXXX  credit cards accounts should be deleted in good faith because it does not full conform to FTC guidelines by law. 

In addition, XXXX has transfer accounts to XXXX XXXX collection to avoid liabilities for desperate and manipulated reporting of non variable information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I been having problems with all three credit bureaus they keeping my credit score low they not adding the bills on correctly I paid all my bills on time I spent {$6000.00} clear up old debt I never went no higher than XXXX when it's time to boost they will disconnect my credit card from the account when adding the card back on the account the bill that supposed to get boost is add in with the others bills that was already add to the account so I get no boost points I call several times speak to the same person who always hang up in my face my score should have been XXXX by now please help stop the abuse from these credit bureaus especially Experian please help

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 2021-08-30
Company: Aldous & Associates, PLLC
State: NY
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 these items that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXXXXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry fromXX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX   : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from 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 2020-09-11
Company: EQUIFAX, INC.
State: MA
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:
Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX  and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXX CREDIT/XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 express my deep frustration with the ongoing issue of fraudulent accounts and inquiries on my credit report, despite my repeated efforts to have them removed. As you are aware, I have been disputing this fraudulent accounts for over 9 months now and they remain on my credit report. This situation has taken a significant toll on my mental health and well-being and has reached my breaking point. 

I have provided all of the necessary documentation and have followed all of the procedures required for resolving this matter, yet the information remains. The emotional stress and financial strain and burden of this situation has been overwhelming and I can no longer endure it. 

I am now seeking litigation and I believe that I am entitled to compensation for the time and effort I have put into resolving this issue, as well as for the damage it has caused in my life. I am confident that I have a strong case and I am fully prepared to pursue all legal avenues to obtain justice in this matter. 

I hope that you will take my request seriously and work with me to finally resolve this issue once and for all. I am eager to move on with my life and put this matter behind me, and I believe that the only way to do so is by having these fraudulent items off my report. 

I have incorrect personal information and incorrect and duplicate inquires on my credit report that have not been resolved!

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 2023-08-04
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: Information belongs to someone else

Complaint:
This is XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.

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 2017-02-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX I qualified for a loan for online college courses. The school qualified me for a XXXX loan for {$2700.00} subsidized and {$2500.00} unsubsidized. The loan was deferred for a period of time as well. Since XXXX my loan has been serviced through Navient. It was sold to them for {$6400.00} and I have had a few forbearances since then. I am unable to access the details of the forbearances on Navients website and they said they would fax the information to me. I am also unable to access any information on payment history or interest prior to XXXX. At each forbearance I was only told to bring my account current and they gave me an amount to pay. These were sweet deals considering I at the time was a single parent to XXXX pre-teens. They said nothing of the fees that would still accrue monthly. These fees would be taken out of this amount they asked me to pay monthly. To date I have paid a total of {$5200.00} with a balance of {$3300.00} remaining. At this rate of fees and interest I will not be able to catch up. No payoff date in site. I 've never been informed of an income driven repayment plan. I was always stirred into forbearance. The low payment monthly works however, This loan is 10 years old now. 

I 'm seeking to have these monthly fees and the subsequent interest charged on top of it removed and I am seeking your help in doing so. 

Thank you! 
XXXX University XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to XXXX, XXXX and Transunion on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. XXXX, XXXX and Transunion require this information to remove fraudulent items from your credit report. XXXX, XXXX and Transunion have failed to remove the following account XXXX XXXX XXXX opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.

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 2021-10-09
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: Investigation took more than 30 days

Complaint:
I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 dispute to Transunion to remove an inaccurate bankruptcy reported by a third-party company and they failed to do so.

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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised 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 2023-08-04
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-02
Company: Upstart Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called Upstart and wanted to inform that Im Enlisting in the United States XXXX XXXX and will be shipping out to XXXX XXXX on XX/XX/XXXX and need to defer my payments due to me not being able to be present and make payments and is listed in in my SCRA benefits. They told me they couldnt defer my payments and will put negative reports on my credit score which is entirely against the specifications of SCRA Protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter collecting on a debt owed to the IRS, even though the debt is not mine. I know this not only because all of my taxes have been paid to date, but also because the letter does not identify me properly and has the wrong SSN listed. This seems to be a shady practice of claiming to collect on a debt that does not exist.

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 2023-01-25
Company: EQUIFAX, 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:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation