BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
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:
I XXXX XXXX was dismayed and disturbed today XX/XX/2021 after I reviewed a copy of my consumer credit report from the Consumer Credit Reporting Agencies : TRANSUNION, XXXX, and XXXX. Pursuant to US Code 1681a ( q ) ( 3 ) the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. I am a victim of Identity Theft! Pursuant to 15 US Code 1681c-2 ( a ) " ... a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have filed an Identity theft report, and provided the Agencies with my identification. I also will like for them to remove and block XXXX XXXX ACCOUNTS : 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. PLEASE BLOCK AND REMOVE THE ABOVE ACCOUNTS FROM MY REPORT. THANK YOU I have attached affidavit of truth and invoice. I would like like to be compensated for the violation of these laws Pursuant to US Code 1681

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 2021-11-04
Company: Experian Information Solutions Inc.
State: VA
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 noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MN
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:
fruad this company has committied fraud the result personal gain with out my permission my info on there platform is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) XXXX CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to XXXX FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX retired XXXX XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of XXXX my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to XXXX and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with Las Vegas Metro and the FBI. XXXX never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. XXXX NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXX XXXX XXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing XXXX AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV ) I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what XXXX has done to me.

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 2018-01-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

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 2021-07-05
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : It has come to my attention that a creditor has marked one of my current Credit Accounts as Late. This would be considered inaccurate. I would like to have this investigated and removed. I have never been late on my payments. XXXX XXXX has listed my main account as late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This would be inaccurate as I have always paid the bill in full and on time. 
XXXX XXXX even offered to open a second card in my name in honor of my great payment history. Which they did! And it reports to the bureau as pays on time! 
Please remove these late marks, immediately Home Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX NC XXXX Accounts : XXXX XXXX XXXX - LATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCT # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX - DOB : 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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

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 2017-12-02
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account with XXXX is not mine. I was trying to apply for a home loan and it came up on my credit report. I've tried to explain this to them and they said they'd do an investigation and it is still reporting. I have had my phone service with XXXX the past 15 years!!! and i've had the same phone number the past 10 years. On the credit report it shows that the account with XXXX was opened in 2018. I know my name is very common and this is a huge mistake. I need this removed. I will be filing a police report once the police station allows me to go in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: GVA Holdings, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These people have harassed me for years!! I believe it's the same people, they just keep changing their fake business name, but when I speak with them I always recognize the voices from before. They're so demeaning and verbally assaulting. 

They call and say I owe a debt, always, but this time, they claimed if I did not pay the debt over the phone, via credit card or prepaid card, the amount I owe would triple. The " debt '' is never valid, never real. They threaten that a process served would come serve me if I do not pay immediately, but I never get served. 

The scariest thing is that these people have my address! They've harassed me with countless phone calls and voicemails, they've called all of my family members and frightened them. 

These people have gotten away with this for years, and I just really hope they can get sued one day for all of the money they've taken from their victims over the years. 

I've never paid them, but they use scare tactics that I'm sure work for them over and over again, which is why they've been doing it for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian received a call ( SEVERAL ) When they answered the call in regard to the access to online reports that are free that has trouble signing in they responded with an email that was time sensitive ( must have been 15 seconds, I was on the phone with them in the process as he commented and disconnected the conversation ) XXXX is the number after all the verification involved. I had reset my password for this free account the week prior do to having trouble with there web site it worked fine. Today they gave me a song and dance on a reset as you can see from there reference number above and told me on the phone that is all they were going to do for now then hung up on me after trying the reset with in seconds it denied me again and every time I called after our first conversation and I give the info IE the social security number the system hangs up on me. So I have hired an attorney to look into the suspicious activity as a preventive action to fraud However, there actions indicate that they are attempting to force consumers into there paid program which defaults the free report from Experian through there credit card services they offer and into a paid or none access.

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 2019-04-02
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: Account status incorrect

Complaint:
I REQUESTED AND DISPUTED 1 FRAUDULENT ITEM ON MY EQUIFAX FILE TO BE REMOVED AND BLOCKED WHICH IS XXXX ACCOUNT XXXX. INSTEAD EQUIFAX HAS EVERY ACCOUNT ON MY FILE REPORTING IN DISPUTE. THIS WAS NOT REQUESTED BY ME IN ANY LETTERS SENT TO EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were flooded by Hurricane Harvey in XXXX, Texas. I have flood insurance through XXXX XXXX XXXX XXXX, XXXX XXXX. My member number is XXXX since XXXX. I received a closing flood claim payment from them around XXXX XXXX, XXXX in the amount of {$75000.00} ( check number XXXX ). I took it to our Bank of America branch,  our mortgage is also with Bank of America. The financial adviser in the bank called their corporate office as the branch is unable to approve the deposit before they get the OK from corporate. Again, my check paid from my flood insurance account can not be cashed before the BofA corporate office approves it to be processed. I do n't understand and neither did the bank 's branch financial adviser. No reason for the delay was given to me or their financial adviser at the branch other than this is the process. It is now over 15 days since I tried to deposit the check so I could pay contractors repairing my home. The check was sent to the corporate office. BofA never advised me to take out flood insurance, never paid any portion of the premium, never called me after the flood, never sent out anyone to inspect the damage. They have offered no help at all!! How do they get away with causing us more suffering and pain. Are they getting a kick back somehow by delaying payment? Congressman XXXX XXXX suggested I contact you for help. This is wrong for a bank to do this.

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 2017-12-02
Company: Texas Guaranteed
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX ). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company does not own the dept they attempt to collect they have no rtights as they have not purchased this debt HWarfield XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
MERCEDES-BENZ FINANCIAL SERVICES Account number XXXX REPORTING A PAST DUE BALANCE AND ACCOUNT IN CHARGE OFF WHICH IS NOT TRUE.. AND VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
I WAS NEVER LATE ON THIS LEASE AND WAS NEVER PAST DUE. THEY OFFERED TO WAIVE FINAL PAYMENT AND FEES IF I LEASED ANOTHER VEHICLE BEFORE THE LEASE WAS UP. I DID BUT THEY MISREPORTED THIS ACCOUNT TO THE BUREAUS AS A NEGATIVE IT IS NOT TRUE ... PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, Midland Funding LLC, served me for a Judgment hearing on XX/XX/XXXX. They served the paperwork to my old address ( which a change of address was filed XX/XX/XXXX, and updated at the XXXX on XX/XX/XXXX ), not my current address. I also was not contacted before XX/XX/XXXX, when they served the notice for a Judgment hearing, and after receiving the notice, attempted several times to validate the debt with them on several occasions. 

On XX/XX/XXXX, I attended the Judgment hearing, which no ruling was issued. Midland Funding 's   representation stated several times during the hearing that they had contacted me via certified mail, but failed to provide any proof of receipt. No ruling was issued at the time the court entered recess. I had contacted Midland Funding several times afterward ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each time the associates I spoke to at Midland Funding either hanging up or placing me on hold for over an hour, after I asked about getting some kind of payment plan setup or asking if they could work out a settlement on the debt they stated I owed ( but refused to validate ). 

On XX/XX/XXXX, I got notified by my employer ( XXXX XXXX XXXX ), that they had received a garnishment notice. I contacted my HR department as soon as I was notified, and found out that Midland Funding had gotten a garnishment for {$XXXX}. I immediately attempted to contact Midland Funding. I spent 50 minutes on hold, during my lunch break, before being hung up on. I attempted to contact them back on XX/XX/XXXX, and after spending almost an hour on hold, was told that " We do not do any kind of payment option, we will just continue to sue you until you pay us what we say ''. 

I have made several attempts to communicate with Midland Funding to both validate the debt since and to try to work out an agreement. Midland Funding has provided me with some information in an attempt to validate the debt, however, has redacted any information that would allow me to correctly validate the debt. Midland Funding never validated the debt prior to getting a judgment and is now using the same information to garnish my wages for a debt that they will not validate.

Company response to consumer: Closed with non-monetary relief