BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 i sent off an dispute letter referencing inaccurate reporting & late payments to, XXXX, Transunion XXXX XXXX for a chance to correct their errors. I was never late on these accounts. Consumer Reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum accuracy. I have never been late for the following accounts XXXX XXXXXXXX ( XXXX, Transunion & XXXX ) Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX XXXX ( XXXX, Transunion & XXXX XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX  XXXX ( XXXX, Transunion & XXXX XXXX Please investigate & provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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 2019-11-30
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan has been sold " Caliber Home Loans '' to " XXXX XXXX  '' with service transferring XX/XX/2019. I received notification by mail XX/XX/XXXX from Caliber and haven't received anything from XXXX XXXX. What happened to at least 30 days notice? There wasn't any mention of informing the county or municipality where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days

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 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

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 2022-09-05
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made multiple attempts both recently ( two days ago ) and in the past as well to get in contact with XXXX XXXX University XXXX. In the fall of XXXX I signed up for two classes. I received no credit from XXXX XXXX because they would not access my financial aid even though I had been awarded it. I repeatedly sent the information they requested yet they continued to ignore me and not access the financial aid that had already been approved by FAFSA. Despite this XXXX did not access my account. Therefore, I did not attend the classes because I did not have the financial aid to buy the books required. Once I figured out that the school had no intention of accessing my financial aid it was too late to drop the classes. All of this was done while I was working diligently to get all documentation that they wanted, with no response from the financial aid office at XXXX. I had an awful experience at XXXX and could not get any assistance ( no matter how many times I tried ) from the financial aid office or my advisor. XXXX has now sent me to a collection agency by the name of Williams & Fudge , Inc for the amount of {$3800.00} for classes that they did not provide to me. I never received one call, mail, or email notifying me that I had an outstanding balance or that I was at risk for being sent to collections. The only reason I found out I had this balance is because I tried to order my transcripts for a new school that I am attending on XX/XX/XXXX. When I tried to order my transcripts I was unable to due to a hold. I then called the financial aid office asking why there was a hold and they told me I had been sent to collections for {$3800.00}, shocked I asked to speak with someone in charge and I was put on hold and then hung up on. Fast forward to now a week later XX/XX/XXXX, I oddly get a statement in the mail after not getting one at all this entire time. Seems too coincidental that after all this time I get absolutely nothing notifying me of my outstanding balance, but now all the sudden I get a statement after calling the office about a hold on my transcripts. I have read many reviews of XXXX XXXX University XXXX and there are dozens of stories just like mine, it is upsetting that this institution makes double the profit from financial aid students trying to get an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute and address several inaccuracies and violations on my credit report, as well as to reiterate my rights under applicable laws. I believe that the accounts listed below have been inaccurately reported, and I am seeking the immediate removal of these unverified accounts from my credit report : 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 I must emphasize the urgency of addressing these concerns. The inaccuracies and unverified accounts on my credit report have had a profound and distressing impact on my life. The financial strain caused by these errors has affected my ability to secure loans, housing, and even suitable employment opportunities. 

To illustrate the emotional toll, allow me to share a personal story. As I stood before my dream home, the culmination of years of hard work and sacrifice, I was met with the crushing reality of the negative impact these inaccuracies have had on my credit score. The lender 's hesitation, the doubt in their eyes, and the subsequent denial of my mortgage application shattered my aspirations. The weight of these errors has caused sleepless nights, overwhelming stress, and has taken a toll on my physical and mental well-being. 

I implore you to take immediate action to rectify these injustices. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verified information on my credit report. These unverified accounts not only violate my rights but also contribute to a cycle of financial distress that I am struggling to overcome. 

In light of these circumstances, I formally request that you enforce my legal rights under the FCRA and other relevant laws by : Investigating and verifying the accuracy of the disputed accounts. 
Removing any unverified accounts from my credit report. 
Providing me with written documentation of the investigation and resolution. 
I understand the vital role credit reporting agencies play in our financial system, and I trust that you will treat my case with the utmost care and urgency it deserves. 

Thank you for your prompt attention to this matter. I look forward to receiving a written confirmation of the actions taken to rectify these issues within the legally mandated timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXXMy card was stolen and used at a number of ATMs and possibly one check cashing location for a card advance. I reported the fraud when I became aware of it the next morning. I don't know how someone got my pin number other than that I did use the card at an ATM in a bar prior to leaving to go home for the night.

My claim of Fraud was denied on the XX/XX/XXXX and I was instructed that If I wanted to have the claim reconsidered I would have to open a police report for the theft. I did report the card theft and the theft of {$1400.00}. The case was reopened with Bank of America. The bank last week finally got back to me and said again that there was no fraud. They cited their reasons for their decision as : Pin number was used and no attempts were declined indicating that whoever was using the card had knowledge of my bank account.

The person using my card at ATMs was covering their head and camera footage was not available to determine who it was.

There were in fact, a number of attempts that didn't go through because they tried to take out more money than I had and, once my account was cleaned out, I was at a negative balance of over {$700.00}.

The bank is now saying that I need to submit new evidence in order to reopen the case. I do have a receipt for a Pizza I bought at the time of the fraud that was delivered to my home which is no where near where the card transactions took place. I am unable to get a cell phone usage statement from XXXX  without a subpoena and I was asleep for most of the fraudulent activity so I have no other evidence of my whereabouts at the time.

What more is there to be done? I'm still out {$1400.00} and the bank has been charging me overdraft fees that I am unable to pay because all of my money was stolen. I additionally had to take out a loan from my parents to cover the loss as this occurred just after my pay day. MY bank account is still over {$700.00} negative. I have since opened an account with a new bank since I can't trust keeping money with Bank of America?

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 monetary relief
Consumer complaint received 2019-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/XXXX I purchased a used 2018 XXXX XXXX via trade in through XXXX XXXX. I explained that I would be finiacing the entire amount for the vehicle and would not be putting anything down. This was confirmed by 3 other salesmen that worked there. I was also told and shown numbers that the price of my trade in would be XXXX. After being rushed through the signing process and being told it wasnt the regular finiacing advisor that typical handles their sales, I was allowed to drive off the lot. Now I am finding out, instead of the car loan being financed for the entire amount they put in the contract that I would pay XXXX $ down and the trade-in was for only XXXX . 
The car dealership is not working with me to fix the situation. I was told by them, I must either pay the XXXX $ out of pocket or redo my loan which will drive my interest rate up. 

Two days after purchasing, I spoke with the salesmen that sold me the car and stated my issue with the vehicle and asked could I return it because I was unhappy. I was told by him and the General manager I was unable to return the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Resurgent Capital Services L.P.
State: IN
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:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Resurgent /Lvnv Funding LLC , to XXXX , XXXX and XXXX. I discovered on 20 Errors on Each report. Which indicates that Resurgent /Lvnv Funding LLC broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Resurgent /Lvnv Funding LLC . via Certified US Mail, inquiring about the loans reported to my credit .They responded XX/XX/2019 with two different letters verifying the debt but also saying they were responsible for the debt.. They need to be held accountable for breaking the laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the below collector is reporting wrongfully an item that does NOT belong to me. I have tried to call them and ask them if they could provide any proof since i have no debt at all to anyone, they claimed that this account belongs to me, i EXPLAINED that there are many people with similar names, including my own family, they never got back to me since then. 

Name of collector ; Education Credit Management For Account number ; XXXX Their address ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone ; XXXX Please help me as I am trying to obtain a mortgage and the bank says it must be debt with first.

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 2022-09-05
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2018-05-20
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information. 
They have stated I received notification, but can not prove when, nor show me documentation. 
I have NOT received anything of this nature and they have and several complaints of un fair practices reported. 

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.

Company response to consumer: Closed with explanation