BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Danco Financial Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to clear this collection up for some time. i purchased my car in XX/XX/XXXX. in XX/XX/XXXX i was hit by a uninsured motorist. 

While my car was in the shop Danco Financial repossess my car as i had not been paying on the car while in the shop. they subsequently sold the car and charged me for the residual. 

In XX/XX/XXXX, i recieved a 1099 for " cancellation of debt in the amount of {$11000.00} which i had to include as income when i filed my XX/XX/XXXX returns. as a result i had to pay IRS for income i never received. 

Although this debt was cancelled, it is still showing on my XXXX  credit report as {$15.00}, XXXX balance i continue to try to get this corrected. my last attempt was XX/XX/XXXX when i called them. they claim they do not show any record of a charge off. 
I put in a dispute with XXXX, however they were told by Danco that i still owed it so it was not removed, I am reaching out to CFPB because Danco is trying to make me pay twice for the same debt.. 


thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with Midland Funding Llc. I do not have a signed contract or a verbal agreement with this company. After repeated phone calls and letters to me, Midland Funding Llc is using the US Postal service to fraud me out of money. This is extortion and I will be forced to notify the postal inspectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent several letter to the credit bureaus asking for verification of accounts on my report. Instead of the information I requested, I get and updated credit report stating the accounts are accurate without the names and numbers of the person that verified theinformation like I requested. I sent a letter a letter to XXXX regaring verification of inquires. I received a letter stating it was notmal practice for dealerhips to submit my application to multiple dealerships. and not the infor I requested. I still have yet to receive any infor other than emails stating my dispute was completed and accounts are accurate.

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have problems with how they manage their time of crediting and charging my account The dates and times are inconsistent, I have paid hundreds of dollars in fees, including overdraft fees.

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 2021-07-11
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:
The following credit inquiries listed on my Equifax and XXXX  credit report are all fraudulent and unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Since XXXX of 2021 I have submitted numerous Letters to XXXX XXXX and Transunion in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.

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 2021-10-06
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2021-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am required to pay a loan amount that I was unaware of. The amount is XXXX I have requested a loan modification from Select Profilo Servicing.

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX  IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX  ) TO EXPERIAN THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY EXPERIAN CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX, BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX  SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED EXPERIAN, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # 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 2020-12-07
Company: EQUIFAX, INC.
State: NV
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 am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : 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 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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...

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 2023-12-05
Company: OPTUM BANK, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an HSA account with Optum Bank. It has a cash portion and an investment portion with Betterment. On XX/XX/ I initiated the transfer of my investment with XXXX  to my Optum HSA account. The transfer was initiated XXXX XXXX XXXXXX/XX/XXXX. Since then, my HSA account is still showing two separate accounts : cash and investment. Checked with XXXX, their answer was the transfer was done from their side. XXXX XXXX XXXX my account was updated and the investment portion disappeared XXXX XXXX XXXX. Called Optum without success. Provided account snapshots as of XX/XX/ and statements showing both accounts with right amounts. Optum is not responsive. I have reference numbers and emails showing my interaction with them. I did not receive explanation about the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: DE
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 have seen multiple credit inquiries on my XXXX  and Equifax credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-03-20
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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 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 non-monetary relief
Consumer complaint received 2020-10-23
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:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2021-01-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fed Loan Servicing has the incorrect amount of on time payments made to the Public Service Forgiveness Plan. There was a different loan servicer before them, and when they went to go back to certify my payments they are coming up with a much smaller number of payments that I have made. Despite the fact that previous loan servicing agencies already verified this information. In fact, I have been waiting 6 months to hear some response on my complaint to them. Every time I call they say they are still waiting to hear from various lenders. I should be right around 110 on time payments on both loans. They are so off that they have different amount of months of on time payments, for the two different loans. The problem is that I make one payment each month and it is split between the two loans, So, the two loans should not have different amounts of months of on time payments. Everything was accurate, until Fed loan servicing came in and and started reverifying payments. The expectation is that they go off of the amount of on time loan payments originally reported to them when they first got the loans. These other loan servicing agencies have no reason to lie about payments, and therefore what they originally gave to Fed Loan Servicing should be honored. They are asking some of these loan servicing companies to go back almost 10 years, and I don't think the records are there to support them going back that far. The bottom line is that the number of on time payments should be honored by Fed Loan servicing..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : 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 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