BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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: Account status incorrect

Complaint:
Transunion and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system E-Oscar to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ XXXX XXXX 2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX  XXXX 3rd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX XXXXXXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ).

This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.

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 2018-03-01
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:
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015. I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance.  It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed 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 explanation
Consumer complaint received 2020-07-21
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:
account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-24
Company: Atlanticus Services Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is a result of identity theft. Documents were sent to the original creditor.

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 2020-06-06
Company: EQUIFAX, INC.
State: PA
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:
My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus.

I have not applied for any type of credit with XXXX XXXX.

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: OH
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 XXXX # XXXX this is the 4th time I have request legal and proper documentation from this company concerning this fraudulent unverified account that I never even heard back any type of information to even do a simple investigation.

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

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It was when I received my tax refund in XXXX for my XXXX taxes and I went to XXXX when they hit spent about {$250.00} and regions charged me 3 {$180.00} overdraft fees that they are still expecting me to pay and refuse to fix

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 2023-09-28
Company: Fay Servicing, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Date : XXXX  Borrower ( s ) : Loan Number : # XXXX Property Address : XXXX XXXX XXXX Lender : Fay Servicing , LLC or XXXXXXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX my credit was checked from XXXX XXXX XXXX ba of : FAY SERVICING LLC Without authorization without me signing the credit authorization, after I called the Informative research which was the company that checked my credit they provided me a credit authorization form that was not docusigned by me but from one of the companies employee. I have screenshots of 4 different companies that Ive signed paperwork through XXXX and underneath my name its the same tracking number that identifies my email but on this credit authorization its a different number which proves very easy that was not signed by me. They committed fraudulent activity, been trying to get ahold of them but cant find someone to answer my questions, the reason why they XXXX  this paperwork under my name is because rechecking my credit would have been a dealbreaker and my loan officer knew that pretty well thats why they never asked me to re run the credit but they signed it by themselves. I got all the screenshots for the conversation with the loan officer that she agreed that this credit authorization was not signed by me because she was the one that collected all the documents for the cash out refinance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2015-05-27
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX  ( the Fraudsters ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting 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:
I have come across a credit inquiry on my report that I do not recognize, and it appears to have been conducted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XXXX XXXX. this issue was filed on the CFPB and the credit agencies last month and XXXX has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. 

Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is 28 calendar days from the due date and NOT 30 DAYS. 

XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If XXXX fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.

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 2021-11-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the COVID-19, I contacted my server and they offered a forbearance, during this time my husband was on XXXX  and after XXXX working for my employer, I was XXXX  at age XXXX. Our mortgage is in foreclosure status, no sale date yet, I was denied a modification and the owner does not accept the amount to be put on the back of the loan. I believe I have tried everything, other than bankruptcy. My husband is XXXX old and is receiving XXXX XXXX XXXX and I am receiving XXXX XXXX currently looking for employment. At this age I feel helpless. I feel I was mislead and given wrong information. During this pandemic, I was offered the forbearance and I was told after the forbearance, Their would be other assistance I would be able to apply. I applied and they denied me for all the assistance that was offered, because I did not pay anything during the forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX. Letter sent to XXXX  disputing the negative listing of alleged collection account # XXXX being reported in my credit file, dated XXXX, XXXX. ( Attached ) XXXX. Letter sent certified mail w/return receipt to collection agency Plusfour , Inc. requesting proof of the alleged debt. LETTER WAS REFUSED. ( Attached ) XX/XX/XXXX. Received letter from XXXX verifying the alleged item as accurate. ( Attached ) XXXX. Letter sent to XXXX   requesting Method of Verification. ( Attached ) XXXX. Letter sent XXXX XXXX " Signature Required '' w/Notarized Certificate to collection agency PlusFour, Inc. RECEIVER REFUSED DELIVERY, 3 attempts. ( Attached )

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 2019-11-05
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Professionals Inc. has been attempting to collect a debt on behalf of the XXXX XXXX Fire Protection District and the Lawfirm XXXX, XXXX XXXX XXXX. The debt in question totals in the amount of {$4100.00}. I have never done any type of business with either of these companies nor have I ever been notified from either of these companies that I was indebted to them. I did not even find out about the debts in question until I was contacted by Collection Professionals, Inc. I have received multiple letters and phone calls about this debt for several months prior to beginning the documentation of the correspondences. In previous attempts, I tried to explain to the agents that I was not the correct individual. I was informed that I would have to supply them with a partial Social Security number and/or my birth date to confirm my claim that I was not the correct individual. For obvious reasons, I was not willing to submit the information requested. I was informed that they would not be able to remove the claim against me unless I provided the requested information. 

On Tuesday, XX/XX/XXXX I received another correspondence from Collection Professionals, Inc. I attempted to contact them by phone at XXXX XXXX CT on Thursday, XX/XX/XXXX. I was directed to an individual named XXXX. I informed XXXX that I was recording the call and I was immediately disconnected. I called back right away and was directed to XXXX again. XXXX informed me that I do not have permission to record the conversation as Illinois law requires that he give consent. I told him that the call was being recorded and that if he is not willing to discuss the matter while being recorded, then I will consider the matter closed. He did say that he was willing to discuss the matter but reiterated that I did not have his permission to record the conversation. At that point, I informed him that I do consider the matter closed and I expect their company to stop all correspondences and attempts to collect this debt from myself, XXXX XXXX who resides at XXXX XXXX XXXX, XXXX Illinois. I then ended the call. 

I did not hear anything again about this debt for nearly a year and assumed that the matter had finally been resolved. On XX/XX/XXXX, I did receive a new letter from Collection Professionals, Inc. This letter is threatening legal action if I do not pay the balance in full. As of XX/XX/XXXX, I have not received any further information regarding the potential lawsuit. 

I did check with the credit bureaus verifying that I was not a victim of identity theft. There is no record in my credit report that I have ever incurred the debt mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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 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 homeless n cant provide to my XXXX XXXX XXXX XXXX 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 2022-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified accounts listed below are reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus neeed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2019-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation